ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 10/28/2026
Last Updated: 10/27/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
110/28/2026 9:00 am21-17452 / CMGRobert Cameron Legg, Esq.Motion for ExemptionGrantedMTN FOR EXEMPTIOM FORM CERT IN SUPPORT OF DISCHARE FOR CODEBTOR
Email InquiryMatter ResolvedRequest
Adjournment
210/28/2026 9:00 am21-18995 / CMGRussell L. Low, Esq.Motion Reopen Ch. 13 Case (fee)GrantedMTN REOPEN
TO FILE CERT ON SUPPORT OF DISCHARGE
Email InquiryMatter ResolvedRequest
Adjournment
310/28/2026 9:00 am22-10127 / CMGScott D. Sherman, Esq.Creditor Certification of DefaultContinued
11/18/2026 9:00 am
parties trying to resolve

FOXCHASE AT TINTON FALLS (McGovern)<>Debtor obj

debtor fell behind making a 1,000 payment hand delivered and working on a buyer for the property- significant amt is paid thru plan per order at #82 total PP should be 4,199 not 8372
Email InquiryMatter ResolvedRequest
Adjournment
410/28/2026 9:00 am22-10257 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsONITY (RAS)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
510/28/2026 9:00 am22-14517 / CMGKarina Pia Lucid, Esq.Motion Approve Compromise or Settlement Under Rule 9019Grantedmk : net funds to debtor exempt
Email InquiryMatter ResolvedRequest
Adjournment
610/28/2026 9:00 am23-10007 / CMGBrad J. Sadek, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsNOTE : J Wiesner in Camden hold for 2nd call if needed(mk)


WESTLAKE FINC (STEWART)/Honda<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
710/28/2026 9:00 am23-10013 / CMGKevin C. Fayette, Esq.Trustee Certification of DefaultTrustee Order10/27 amt: $ 22,613 ptd (45); $760 x 7 beg 11/1/26; ext plan to 52 mo ( atty ok)<>

ARREARS 1,552<> Debtor obj, making pymts

Email InquiryMatter ResolvedRequest
Adjournment
810/28/2026 9:00 am23-10204 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsCARRINGTON MTG (STERN LAVINTHAL)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
910/28/2026 9:00 am23-10582 / CMGStacey L. Mullen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS ($3,166.27 AS OF 10/19 THIS IS ALSO THE PLAN BALANCE

atty has reached out several times to debtor - give it 1 more time
Email InquiryMatter ResolvedRequest
Adjournment
1010/28/2026 9:00 am23-10914 / CMGEugene D. Roth, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
10/27 Ck posted for 5,010 - Arrears now 7,222 need the other payment to post


10/26MK atty sent proof of ck for 13,010 on 10/21- cashier ck- if posts can w/d motion if not adj to 11/18 for time to post.

ARREARS 12,232 last pay was in July 2066<> Debtor obj, making pymts
Email InquiryMatter ResolvedRequest
Adjournment
1110/28/2026 9:00 am23-12456 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $34,164 PTD (42); $1,000 X 1 (OCT); $1,456 X 17 BEG 11/1/26 ( ATTY ok)<>

ARREARS 5354 AS OF 10/23<> Debtor obj

deboro has payment scheduled and will make n more payments - need to post adj request to 10/28
Email InquiryMatter ResolvedRequest
Adjournment
1210/28/2026 9:00 am23-12857 / CMGJeffrey H. Ward, Esq.Motion Relief from Stay (Fee)Withdrawn10/16 AMT: PER CORY, WILL W/D MFR<>

amt: emailed cred atty; conduit pd through oct)<>

SELENE FINC (RAS)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
1310/28/2026 9:00 am23-14656 / CMGLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedMTN APPV LOAN MOD<> Tr limited obj

mk: cert of debtor filed w/ the motion is NOT SIGNED- Fixed by Doc #53 ok
Email InquiryMatter ResolvedRequest
Adjournment
1410/28/2026 9:00 am23-16267 / CMGJoseph Albanese, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderARREARS 4,250<> Debtor obj
debtor says can catch up

75,860 PTD Then $2,356 x 21 Begin 11/1/26
Email InquiryMatter ResolvedRequest
Adjournment
010/28/2026 9:00 am23-16926 / EJOMarcia Y. Phillips, Esq.Motion Reopen Ch. 13 Case (fee)Continued
11/4/2026 9:00 am
MTN REOPEN/SUPPORT OF DISCHARGE
Email InquiryMatter ResolvedRequest
Adjournment
1510/28/2026 9:00 am23-18624 / CMGBrian S. Thomas, Esq.Motion Relief from Stay (Fee)WithdrawnAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>FAY SERVICING (KNUCKLES)

debtor says working on resolving
Email InquiryMatter ResolvedRequest
Adjournment
1710/28/2026 9:00 am23-19519 / CMGJonathan Goldsmith Cohen, Esq.Motion Motion (Generic) - Only use if no other event is applicableRevised Order SubmittedMTN ALLOW LATE FILED CLM IRS

mk: TR obj needs revised order to state claim is to be paid thru plan.

10/21 Revised order submitted
Email InquiryMatter ResolvedRequest
Adjournment
1610/28/2026 9:00 am23-19519 / CMGJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT; PPSD RECAP - $ 28,996.50 PTD (36); $1,360 X 24 BEG 11/1/26 (EMAIL TO ATTY)<> atty ok to terms(mk)

ARREARS 3773 AS OF 10/21/26; LATE FILED IRS POC #8-1<> Debtor obj

motion filed to pay late filed claim

payment to post and recap for 10/28

revised order on the Irs motion
Email InquiryMatter ResolvedRequest
Adjournment
1810/28/2026 9:00 am23-21602 / CMGThomas G. Egner, Esq.Motion Relief from Stay (Fee)No Opposition FiledHYUNDAI (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
1910/28/2026 9:00 am24-10143 / CMGHerbert B. Raymond, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsONITY (ras)<> Debtor's estate obj
Email InquiryMatter ResolvedRequest
Adjournment
2010/28/2026 9:00 am24-10265 / CMGJoseph Casello, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

SELENE FINANCE (RAS)<>Debtor obj, made pymt & requests recap

mk no conduit creditor order
Email InquiryMatter ResolvedRequest
Adjournment
2110/28/2026 9:00 am24-12388 / CMGFrancis P. Cullari, Esq.Motion Reinstate StayNo Opposition FiledMTN REINSTATE STAY/NEWREZ-SHELLPOINT
Email InquiryMatter ResolvedRequest
Adjournment
2210/28/2026 9:00 am24-13384 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultTrustee OrderAMT; PPSD RECAP - $ 5,414 PTD (29); $100 X 1 (Oct pending); $552 x 30 beg 11/1/26 (email to atty)<> ok to terms(mk)
AR ADD AUTO DISMISSAL

ARREARS 1,298 as of 10/19/26<> Debtor obj

last payment 10/8
Email InquiryMatter ResolvedRequest
Adjournment
2310/28/2026 9:00 am24-14146 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnMK :plan will complete timely at the regular payment


Payments processing on TFS adj tp 10/28 to post-POSTED

Email InquiryMatter ResolvedRequest
Adjournment
2410/28/2026 9:00 am24-15636 / CMGJeanie D. Wiesner, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsNOTE : J Wiesner in Camden hold for 2nd call if needed(mk)

10/28 PEREMPTORY

10/27/26(mk) debtor uploaded a dale K for 190,000= now need Motion to approve sale and realtor appt

ROCKET MTG (HLADIK)<> Debtor obj


:The Debtor is listing the property for sale and needs time to hire a realtor and prepare listing agreement.
Email InquiryMatter ResolvedRequest
Adjournment
2510/28/2026 9:00 am24-18588 / CMGLee M. Perlman, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedMTN EXPUNGE ONEMAIN FINC GROUP
Email InquiryMatter ResolvedRequest
Adjournment
2710/28/2026 9:00 am24-19013 / CMGJustin M. Gillman, Esq.Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
12/9/2026 9:00 am
12/9 peremptory

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.

SV/ARVEST - ARREARS<> Debtor obj

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
2610/28/2026 9:00 am24-19013 / CMGJustin M. Gillman, Esq.Motion Reinstate StayContinued
12/9/2026 9:00 am
12/9 peremptory

MP for LM filed 9/10- debtor now in trial LM


AMT: TRUSTEE CONDUIT REQUEST<>

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

last trial loan payment was 9/1 and that was paid according to debtor - NEED UPDATE ON STAUS OF PERMANENT LM FROM CREDITOR



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
2810/28/2026 9:00 am24-19897 / CMGCarlos D. Martinez, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsARREARS 5,330 as of 10/23<> Debtor obj

MP now on10/28>Issues
Email InquiryMatter ResolvedRequest
Adjournment
2910/28/2026 9:00 am24-20677 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Continued
12/30/2026 9:00 am
10/28 for time for LM to complete--debtor advises creditor that LM doc submitted needs more time for review- creditor asked for the adj
-- TR says PEREMPTORY 12/30


amt: trustee conduit request<>

FREEDOM MTG (BROCK)<> Debtor obj

LM is in process and adj to 6/3 to see if approved

>>>Plan does not call for a LM but lists Freedom as unaffected??
Email InquiryMatter ResolvedRequest
Adjournment
3010/28/2026 9:00 am24-22030 / CMGWarren Brumel, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsNISSAN (STEWART)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
3110/28/2026 9:00 am25-10541 / CMGCandyce I. Smith-Sklar, Esq.Motion to Approve Loan ModificationOrder Previously Submitted10/27/26mk revised order submitted adding lang authorizing partial claims mtg


DEBTOR MTN TO APPROVE LM<>Pennymac limited obj (Powers Kirn)

creditor wants order to say that debtor is authorized to enter into a partial claims mtg
Email InquiryMatter ResolvedRequest
Adjournment
3210/28/2026 9:00 am25-10801 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayContinued
12/9/2026 9:00 am
parties working on a CO creditorr adj to 12/9

amt: trustee conduit request<>

PHH (LOGS)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
3310/28/2026 9:00 am25-12735 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
AMT: MP 11/18

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

MP filed to cure on 9/29/26 and use 401 k funds to pay off mtg and make plan more feasible
Email InquiryMatter ResolvedRequest
Adjournment
3410/28/2026 9:00 am25-14281 / CMGMichael L. Detzky, Esq.Motion Relief from Co-Debtor StayContinued
12/9/2026 9:00 am
parties trying to work it out- creditor request to adj to 12/9

AMT; TRUSTEE CONDUIT REQUEST<>

DEUTSCHE BANK (LOGS)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
3510/28/2026 9:00 am25-15844 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
mk pending TFS payment for 3450 adj to 11/18 peremptory to be completely current

mk :MOTION TO REINSTATE STAY AS TO CREDITOR, SILVER HILL CAPITAL ON 11/18 on RT 46 prop

10/28 to be current PEREMPTORY

mk: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 (AMT: SV ORDER DOC #43)

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 now 8,922

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


ARREARS 8922<> Debtor obj

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
3710/28/2026 9:00 am25-16003 / CMGBruce C. Truesdale, Esq.Motion Vacate (DO NOT USE TO VACATE DISMISSAL OF CASE)Continued
11/18/2026 9:00 am
MOTION FOR RELIEF FROM STAY by Easthampton Mews Homeowners( Greenbaum Rowe)<> Debtor obj and creditor response with the complete payment history and accounting
Email InquiryMatter ResolvedRequest
Adjournment
3610/28/2026 9:00 am25-16003 / CMGBruce C. Truesdale, Esq.Motion Cross MotionContinued
11/18/2026 9:00 am
CROSS MOTION BY DEBTOR FOR DETAILED PAYMENT HISTORY<>Eastampton Mews HOA response (Greenbaum)
Email InquiryMatter ResolvedRequest
Adjournment
010/28/2026 9:00 am25-16003 / CMGBruce C. Truesdale, Esq.Motion to Vacate3rd Party MatterDebtor has made 16 of 16 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
3810/28/2026 9:00 am25-17277 / CMGDaniel E. Straffi, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedLOANDEPOT.COM MTN TO APPROVE LM (BROCK & SCOTT)<>Trustee limited obj

Mk need cert for debtor>> PROVIED AS EXHIBIT DOC #63
Email InquiryMatter ResolvedRequest
Adjournment
3910/28/2026 9:00 am25-18601 / CMGEugene D. Roth, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
ARREARS 46,912

10/20: proof of payments totaling 24,000 need to post and pay more to post before 11/18

atty was adj to pay more and get current. I asked what is status of MFR and TR conduit request
Email InquiryMatter ResolvedRequest
Adjournment
4010/28/2026 9:00 am25-18601 / CMGEugene D. Roth, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

NEW REZ (ras)<> Debtor obj

10/26 Atty says Cory will be marking this OTBS as all payments have been made- told debtro atty may be issue as TR requested conduit and Tr default - bad pay history
Email InquiryMatter ResolvedRequest
Adjournment
4110/28/2026 9:00 am25-18728 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)No Opposition FiledAMERICAN HONDA (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
4210/28/2026 9:00 am25-18911 / CMGPRO SEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objectionsmk spoke to debtor - has Sheriff sale 12/2- trying to see what she can do towards arrears and has new job now - will be following up on Monday

MOTION TO VACATE DISMISSAL FILED BY DEBTOR

>>atty has filed a motion to w/d from the case and that was granted 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 now back on track - has new job and chance for 2nd job as prior employer
debtor seem to still be employed
Email InquiryMatter ResolvedRequest
Adjournment
4310/28/2026 9:00 am25-19001 / CMGAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedWELLS FARGO (LOGS)/2025 Nissan<> Debtor obj

10/23 mk: CO submitted: cured default and reg payments going forward.
Email InquiryMatter ResolvedRequest
Adjournment
4410/28/2026 9:00 am25-19001 / CMGAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsINDIAN HEAD NORTH ASSOC (McGOVERN)<> Debtor obj

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
4510/28/2026 9:00 am25-19218 / CMGJoan Sirkis Warren, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Recommend GrantingPROPERTY #63




MK: case confirmed at 100%
sale K for 364,000- sellers concession due to infestation so net price 328,500 still lots of equity and case can be paid off at 100%
Realtor retained
Email InquiryMatter ResolvedRequest
Adjournment
4610/28/2026 9:00 am25-19218 / CMGJoan Sirkis Warren, Esq.Creditor Certification of DefaultContinued
11/18/2026 9:00 am
adj to 11/18 by credior to see if sale closes

CITIZENS BANK (Mccabe Weisberg)<> Debtor obj

sale motion also on 10/28
Email InquiryMatter ResolvedRequest
Adjournment
4710/28/2026 9:00 am25-20564 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
MP on 11/18


mk 10/6- atty holding $ to be current needs to poat adj 10/28 and need to file MP

PLAN DENIED ON 8/26/26 AND FAILED TO FILE MP; ARREARS<> Debtor obj

opp'n says: Debtor will make payment of $1000 towards
trustee arrears. The remaining will be recapped with consent of the Trustee.
.Debtor has received a Loan Mod and is in a Trial payment period.
Email InquiryMatter ResolvedRequest
Adjournment
4910/28/2026 9:00 am25-21074 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
MP 11/18 Peremptory



PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS<> Atty response
Email InquiryMatter ResolvedRequest
Adjournment
4810/28/2026 9:00 am25-21074 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Withdrawn110/26 Status Change Motion is w/d

TWIN RIVERS HOMEOWNERS ASSOC (SHANE AND WHITE)<> Atty filed obj
Email InquiryMatter ResolvedRequest
Adjournment
5010/28/2026 9:00 am25-21275 / MBKAndre L. Kydala, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST>>


MOTION TO SELL PROPERTY(by debtor only) #6<> NewRez limited response- wants their lien paid from proceeds<>Trustee obj

Plan confirmed at 100%
realtor retained

TR Obj:

Form of order is not the recommended form for sale of real property
it does say tr to receive sufficient funds to pay off plan at 100%

Order takes an exemption of 27,900 and yet not exemption was claimed on sch C


Fails to sate must close in 60 days

Faile to say buyer is dis interested peron or meet criteria in Abbitts
Email InquiryMatter ResolvedRequest
Adjournment
5110/28/2026 9:00 am25-21473 / CMGMark N. Glyptis, Esq.Motion Requesting RedactionJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
5210/28/2026 9:00 am25-22266 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsas of 10/23- last pay Sep still arrears 8917

making payments be current by 10/28 or really close for a recap

ARREARS 8,917.01<>Debtor obj, making pymts
Email InquiryMatter ResolvedRequest
Adjournment
5310/28/2026 9:00 am25-22303 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP on 10/28>>RECOMMEND DISMISSAL<>

Debtor obj, in trial lm<>FAILED TO LM BY 5/19/26; ARREARS 15,360
Trial Lm begins in August
Email InquiryMatter ResolvedRequest
Adjournment
5410/28/2026 9:00 am25-22377 / CMGBrian W. Hofmeister, Esq.Motion Requesting RedactionJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
5510/28/2026 9:00 am25-23221 / CMGSteven J. Abelson, Esq.Motion for Relief from StayNeeds Resolution of Issues - ObjectionsMFR/TRUIST BANK/2021 Honda<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
5610/28/2026 9:00 am25-23356 / CMGAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
AMT: MP 11/18 **NEEDS TO SUBMIT ADJ REQUEST FOR TR MTN BY 10/23 OR APPEAR**<>

PLAN DENIED ON 8/26/26 AND FAILED TO FILE MP IN 14 DAYS<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
5710/28/2026 9:00 am26-10047 / CMGGeorge E. Veitengruber, III, Esq.Motion Requesting RedactionJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
5810/28/2026 9:00 am26-11724 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 9/16/26 AND FAILED TO FILE MP IN 14 DAYS

MFR for co debtor stay on 11/18
Email InquiryMatter ResolvedRequest
Adjournment
5910/28/2026 9:00 am26-11944 / CMGCandyce I. Smith-Sklar, Esq.Motion to Approve Loan ModificationGrantedDEBTOR MTN TO APPROVE LM<>Trustee limited obj, need copy of lm filed as support doc

FILED as support #31 Exhibit
Email InquiryMatter ResolvedRequest
Adjournment
6010/28/2026 9:00 am26-12188 / CMGPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Conduit / OTBSParties agree to conduit payments- creditor to provided figures to AMT for draft conduit order


debtor adj request due to debtor under review for Loss Mit. waiting for status


AMT: TRUSTEE CONDUIT REQUEST<>

NEW JERSEY HOUSING AND MGT (PLUESE)<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
6110/28/2026 9:00 am26-12639 / CMGNicholas Fitzgerald, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnMP #69 10/28>>Hase Terms 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
6310/28/2026 9:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsSELENE FINANCE ( ras)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
6210/28/2026 9:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objectionsmk putting an order request to adj together adj to 10/28


US BANK NAT'L ASSOC (PADGETT LAW)- on proper #2 Chapman<> Debtor obj

MK:DEBTOR THINKS SHE IS CURRENT REQUESTED A PAYMENT HISTORY




MK: also a MFR filed by US Bank(RAS):PP arrears 4,515.19- on for 10/28/26 this is on the property at Northrup

motion has #2 but should be #70
Email InquiryMatter ResolvedRequest
Adjournment
6410/28/2026 9:00 am26-13374 / CMGMitchell Lee Chambers, Jr., Esq.Motion Relief from Stay (Fee)Continued
11/18/2026 9:00 am
THE BANK OF NEW YORK MELLON (PADGETT LAW)<>Debtor obj

property listed for sale 1,500,000

10/5/26(mk) per debtor atty: there is offer on the home and filing a motion to approve the sale
Email InquiryMatter ResolvedRequest
Adjournment
6510/28/2026 9:00 am26-13495 / CMGFilipe Pedroso, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 10/28

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
6610/28/2026 9:00 am26-13729 / CMGRobert Manchel, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT; TRUSTEE CONDUIT REQUEST<>

US BANK TRUST NAT'L ASSOC (RAS)<>Debtor obj

debtor wants to roll arrears into plan

>>DEBTOR AGREES TO CONDUIT
Email InquiryMatter ResolvedRequest
Adjournment
6710/28/2026 9:00 am26-13793 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsMP 10/28 for payment to post so can confirm**


Debtor obj, filing MP<> ARREARS

MP on 10/7 to surrender Nissan - and Kia Soul in full satisfaction
Email InquiryMatter ResolvedRequest
Adjournment
6810/28/2026 9:00 am26-13989 / CMGKirsten B. Ennis, Esq.Motion Relief from Co-Debtor StayContinued
12/9/2026 9:00 am
10/22 mk partie working on resolving creditor adj request to 12/9

HSBC ( LOGS)<>Debtor obj

over 29,000 in PP due
Email InquiryMatter ResolvedRequest
Adjournment
6910/28/2026 9:00 am26-14069 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsSELECT PORTFOLIO (RAS)<>Debtor obj

arrears now over 20,000

adj to 10/28 for realtor retention and listing
Email InquiryMatter ResolvedRequest
Adjournment
7010/28/2026 9:00 am26-14077 / CMGYakov Rudikh, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsAR OBJ FILED CH 7 DISCHARGE BUT LIEN CONTINUES
mk: opp'n by creditor has been filed- THIS IS AN IN REM DEBT -THE MTG LIEN AND THE CH 7 DISCHARG DOES NOT STOP THE A MTG CO FROM FORCLOSING OR COLLETING ON THE IN REM DEBT. IT REMAINS A VALID SECOND MYG LEIN ON THE PROPERTY

mk: see what creditor's response is when filed -

mk 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 MOTION NEEDS TO BE ADJ FOR CREDITRO RESPONSE


MTN EXPUNGE CLM 9-1 REAL TIME RESOLUTION<>Real Time response (Metz)

>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
010/28/2026 9:00 am26-14446 / CMGCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
11/18/2026 9:00 am
MTN EXPUNGE CLM #11-1
Email InquiryMatter ResolvedRequest
Adjournment
7110/28/2026 9:00 am26-14664 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 10/28<>ISSUES

PLAN WAS DENIED ON 9/16/26 AND FAILED TO FILE MP IN 14 DAYS<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
7210/28/2026 9:00 am26-15078 / CMGHerbert B. Raymond, Esq.Cross Motion to Deny Moton to Extend StayNeeds Resolution of Issues - Objections(amt: also, mtn to extend stay, doc #3 was OTBS)- PARTIES COULD NOT SETTLE SO BACK ON FOR 10/28

PLANET HOME CROSS MTN DENYING MTN TO EXTEND STAY (Friedman Vartolo)
Email InquiryMatter ResolvedRequest
Adjournment
7310/28/2026 9:00 am26-15494 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
12/9/2026 9:00 am
MK on 10/28>>ISSUES

PLAN DENIED ON 8/5/26 AND FAILED TO FILE MP IN 14 DAYS.<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
7410/28/2026 9:00 am26-15786 / CMGCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
11/18/2026 9:00 am
N.Engel responded to debtor atty - looking to resolve it - adj to 11/18? waiting for Candyce reply

MTN TO MODIFY IRS POC #6-3

Mk service ok - sent to N. Engel as well as all the other required addresses

TR Obj: to the parft of the order that says; debtor will pay 2024 and 2025 OUTSIDE plan for 410,599.45- CAN'T DO THAT W/O AGREEMENT FROM IRS


last amended claim by IRS filed 8/26/26 then this motion was filed in Sept Debtor seeks to reclassify the priority claim of $82,723.66 by saying that 32,931.98(for 2018.2019,2020,2021) since tax return was filed more than 3 years and assessed more than 240 days before filing and the 2022 tax amt of 39,192,23 should be PD thru plan and the debtor will pay 2024 and 2025 OUTSIDE plan for 410,599.45- CAN'T DO THAT W/O AGREEMENT FROM IRS
Email InquiryMatter ResolvedRequest
Adjournment
7510/28/2026 9:00 am26-15786 / CMGCandyce I. Smith-Sklar, Esq.Application to Extend Loss MitigationOrder to be SubmittedOTBS:1. The Loss Mitigation period is extended for ninety (90) days allowing the Debtor's Attorney
to utilize the DMMportal system on behalf of the Debtor; and
2. Any additional extensions of the loss mitigation period will be by Application to the Court;
and
3. Debtor will continue to make monthly adequate protection payments to creditor, Shellpoint during the loss mitigation period; and
4. In the event Debtor fails to make any monthly mortgage payments within thirty (30) days
of its due date, then Shellpoint may seek relief from the automatic stay by filing a
Certification of Default on 14-day notice; and
5. The Debtor shall file Request for Loss Mitigation within 10 days of the entry of this Order.



DEBTOR APP TO EXTEND LOSS MIT TO 12/29/26<>



Trustee objection

The application says completing the loan modification package and need more time.

1. Case was filed in May 2026 and Loss Mit .order entered in July

2. 2 prior cases in 2022 and 2024 calling for a LM and both dismissed.

Email InquiryMatter ResolvedRequest
Adjournment
7610/28/2026 9:00 am26-15840 / CMGStacey L. Mullen, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>CITIZENS BANK (McCABE)

OTBS: Regular payments to resume November 2, 2026. Arrears of $3,302.46 to be paid outside the plan over 6 months. Attorney's fees of $500 and costs of $199.00 to be paid through Plan. 30day default.
Email InquiryMatter ResolvedRequest
Adjournment
7710/28/2026 9:00 am26-15845 / CMGJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)GrantedPNC BANK (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
7810/28/2026 9:00 am26-16012 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsSELENE FINC (RAS)<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
7910/28/2026 9:00 am26-17628 / CMGAndy Winchell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 10/28 **

PLAN WAS DENIED ON 8/26/26 AND FAILED TO FILE MP IN 14 DAYS,<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
8010/28/2026 9:00 am26-17685 / CMGRobert Cameron Legg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be Submittedconf 12/9


mk dismissed for not submitting dox was traveling for b'ness - have complied with all dox and atty has $ to be current

Does not address est tax claims- no tax returns uploaded to 13 dox as of 10/19 NO 341 date - dox in except tax returns

PPSED ORDER says MP will be filed and get a conf date
Email InquiryMatter ResolvedRequest
Adjournment
8110/28/2026 9:00 am26-18063 / CMGEric J. Clayman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order Previously Submitted341 was held
has the $

need revised order w/ conf date 11/18- REVISED ORDER SUBMITTED 10/20
Email InquiryMatter ResolvedRequest
Adjournment
8210/28/2026 9:00 am26-19063 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition FiledSELENE FINC (RAS)

Conf 10/28 REC Dismiss
Email InquiryMatter ResolvedRequest
Adjournment
8310/28/2026 9:00 am26-19246 / CMGLawrence W. Luttrell, Esq.Motion Motion (Generic) - Only use if no other event is applicableJudge to Reserve DecisionMTN TO REDACT
Email InquiryMatter ResolvedRequest
Adjournment
8410/28/2026 9:00 am26-19263 / CMGJohn Michael McDonnell, Esq.Motion Dismiss CaseNeeds Resolution of Issues - ObjectionsMMG INVESTMENTS III, LLC MTN TO DISMISS (Saldutti)<>Debtor response

NO 341 as of 10/19/26- needs a date

debtor current
Email InquiryMatter ResolvedRequest
Adjournment
8510/28/2026 9:00 am26-21059 / CMGPRO SEOrder Shorten TimeNeeds Resolution of Issues - Objections>>OST>>

CT OSC on 10/20 failure to file schedules and plan

2nd case filed in 2026

mk prior case dismissed in Sept as not feasible - huge NJ tax claims - secured protion861,676 and estimated priority for 161.996 no income at all - projected income No equity in real property

MFR BY CREDITOR REDI ROCK OF SE PENN (CARLUCCIO LEONE DIMON)

seeking SV, In REM Relief, Waiver of 14 day stay and 180 bar to refile

creditor has a final judgment lien and filing stop the sale
Email InquiryMatter ResolvedRequest
Adjournment
8610/28/2026 9:00 am26-21304 / CMGJustin M. Gillman, Esq.Motion Impose Automatic StayGrantedMTN CON'T STAY ALL CREDS

Mk past cases LM now this MP #8 is for sale by March 2026
Email InquiryMatter ResolvedRequest
Adjournment
8710/28/2026 9:00 am26-21452 / CMGLee M. Perlman, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST>>


MTN EXT TIME
Email InquiryMatter ResolvedRequest
Adjournment
8810/28/2026 10:00 am24-18729 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanContinued
12/9/2026 10:00 am
Debtor has made 21 of 25 required payments   Arrears: $1,255.00
AS OF 10/23/26 (SF) UPDATED

1. Modified plan fails to provide for minimum dividend of $15,229 to gucs per non-exempt equity in real estate.

2. Schedules I and J amended 8/27/26. Updated proof of income for July and August of 2026 not provided

3. To Confirm need:

$8214 PTD; $328 X 36 (BEGIN 10/1/26) BASE W/MIN DIV OF $15,229 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE



MP proposes $383 x 23; $102 x 37 Base Plan
Plan has run 25 months with 35 months remaining
Change of Circumstances
Arrears: $1255


RESOLVED:
1. Need copy of 2025 Tax Return (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
8910/28/2026 10:00 am24-19013 / CMGJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanContinued
12/9/2026 10:00 am
Debtor has made 17 of 25 required payments   Arrears: $2,545.00
12/9 peremptory

AS OF 10/23/2026 (at):

1. Mortgage company (Arvest) needs to amend it's claim to zero due to loan modification.(mk per debtor atty final trial payment was 9/1 and that was paid- he has no further updates on permanent LM - mk emailed parties including creditor for update on 10/23/26

2. The attorney's fees in the plan do not match the fees awarded.

MP proposes: $800 x 1, $250 x 3, $828 x 9, $1,050 x 4, $1,115 x 6, $1,100 x 37, 100% plan
Arrears $3,345
(Debtor has obtained trial loan modification with Arvest Bank on mortgage with final trial payment due in September 2026.
Modified Plan treats Arvest claims outside Plan per loan modification and provides for Debtor to make future payments to
complete payments for 100% dividend for allowed unsecured claims)
Email InquiryMatter ResolvedRequest
Adjournment
9010/28/2026 10:00 am24-19897 / CMGCarlos D. Martinez, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 16 of 24 required payments   Arrears: $5,330.00
case will be dismissed on Tr Motion mark this moot /dismissed

As of 10/21/26(mk)

>>as of this date mtg co has not amended their claim to add PP arrears-

10/28 Peremptory

1. MP added PP mtg arrears (12,000)to plan- need order or APOC for that

2. Arrears at time of filing the MP in May was 5,130 so those are added to plan- means going forward need 1,449 x 36 begin 11/1/26- this is assuming the mtg PP is 12,000 if it is more payment goes up

MP proposes $1400 x 42 remaining months; Base w/min div of $41,717.88 to gucs
Plan has run 24 months with 36 left and removes Dovenmuehle Mtg as unaffected and adds post petition mtg to plan and increases payment

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

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)
PROOF OF CLAIM #27 WAS FILED BY NEX BANK FOR 1,149.44 AND TR PAID THAT-MTG CLAIM TRASNSFERRED TO SENECA MTG SREVICING FOR VALON MTG VALON DOC #41


Email InquiryMatter ResolvedRequest
Adjournment
9110/28/2026 10:00 am25-19243 / CMGWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 6 required payments   Arrears: $1,600.00
MP IN 14 DAYS

As of 10/23/26 (DS): 1. Per Debtors cert loan mod was denied by Shellpoint and that mod plan would be filed to propose to pay arrears $2,282, no mod plan filed and case was adjourned peremptory, no further adjournments were to be allowed.

2. What is the status of the refinance to be done by 11/1/26?

3. ISSUES NOT RESOLVED:
- Need 2 months bank statements from Riegel FCU chkg acct from April-Mary 2026. Sched B has $0.
- BridgeCrest-2016 Subaru balance statement provided balance $3,228, requires a tier plan, car payment $304 ends in month 15.
- There is non-exempt equity in the timeshare $9,309, 2002 Chevy $950, 2007 Chevy $2,424, 2002 Mallard $1,000, 2015 Ram $2,000 and PNC Bank Business acct $2,517, Reigel FCU pending statements and Reigel FCU share balance $518.
- PNC Bank (R.A. LEBRON) obj arrears owed $107,293.69 and obj to loan mod. Must resolve obj.
- Shellpoint (QUEEN STEWART) obj to arrears owed are $51,735.39, mod plan propose to pay, pending loan mod. Must resolve obj. PER DEBTORS CERT LOAN MOD WAS DENIED, WILL PAY ARREARS. WILL STRIKE LOAN MOD.

PEREMPTORY 10/28 to be current and resolve w/creditor for total debt in plan - plan has refi but how is that possible - they may have to sell property

9/16/26 (DS): 1. Trustee supplemental obj to the following:
- Mod plan is proposing a sale of stocks by 12/1/26, stocks valued $39,886 and a refinance/loan mod of residence by 11/1/26-PER DEBTORS CERT LOAN MOD WAS DENIED BY SHELLPOINT, CERT DOES NOT MENTION REFINANCE THAT OBJ WITH PNC NEEDS TO BE RESOLVED, STATES WILL PAY ARREARS OF SHELLPOINT. Cannot propose both a loan mod and refinance.
- Attorney amended Sched B to add Agnico Eagles stock value not previously listed with a value of $31,846.23, which is not exempt and no proof provided. Need statement with value. DOCS PROVIDED SHOWS THAT DEBTOR'S FATHER IS HOLDING THIS AS A TRUST FOR DEBTOR.
- Amended Sched B also changed values of vehicles and reduced the non-exempt equity of the 2022 Hyundai
Email InquiryMatter ResolvedRequest
Adjournment
9210/28/2026 10:00 am25-21074 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 7 of 12 required payments   Arrears: $2,621.00
11/19 peremptory

10/26//26 Mk atty to file amended budget based upon current pay stubs from debtor responded and asked if the intention is to file a MP if yes then this plan will be marked as Plan denied and MP in 14 days


AS of 10/26/26(Mk) UPDATED

TFS payment for 2400 should post today

>>NEED OCT PAYMENT OF 2,226 PER THE PLAN TO POST BEFORE THE HEARING DATE 100 % plan but arrears are 5,021.30



1. Trustee Objection
- Plan payment goes up to over 2.000 and no amended I & J was filed nor any update proof of income. Disposable income as of now is 758 per month and the MP Proposes payments of 2226 begin October-

2.. Twin Rivers Homeowners Association filed an unsecured claim- plan treated as secured but TR will pay as unsecured per the filed proof of claim and strike the plan treatment


Plan:$13984.76 PTD; $2226 X 49 BEG 10/26; 100%
Arrears 5,021 bad pay history since June 2025

-------------RESOLVED--------------------
**MFR BY TWIN RIVERS HOME ASSOC ON 10/28 - has been w/d by a status change


























Email InquiryMatter ResolvedRequest
Adjournment
9310/28/2026 10:00 am25-21778 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 5 of 11 required payments   Arrears: $2,002.00
As of 10/20/26 (mk)-ok to terms


**CAN REC CONFIRM AT $10,300 PTD THEN $1,100 x 49 Begin 11/1/26 BASE. Must move against arrears claim #22-1 of GS MTG-BACKED SECURITIES TRUST 2025-SL 1 w/in 30 days**


1. GS mtg Back Securities Trust has arrears claim 844.06 that is on Race track property not owned by debtor- need to move against the claim w/in 30 days

MP Proposes$1100 X 1; $500 X 3; $1100 X 56; BASE

Plan has run 11 mos and 49 mos remain
Email InquiryMatter ResolvedRequest
Adjournment
9410/28/2026 10:00 am25-22303 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 5 of 11 required payments   Arrears: $18,450.00
AS OF 10/21/26 (SF)

1. Plan states that loan mod was approved. No proofs provided. No motion to approve loan modification filed and claim has not been amended to zero (PROOF OF TRIAL LOAN MOD JUST PROVIDED. 3RD INSTALLMENT PAYMENT DUE 11/1/26))

2. Debtor is not current with payments. Arrears are $18450 through October 2026

3. MP does not proposes to pay IRS priority claim 3-1 in the amount of $6411.40

4. MP does not propose to pay State of NJ priority claim 4-1 in the amount of $393.64

5. Trustee Motion to Dismiss scheduled for 10/28/26 at 9



MP proposes $4000 x 10; $1062 x 50 Base Plan
Plan has run 11 months with 49 months remaining
Debtor approved for loan mod
Arrears: $18,450


Email InquiryMatter ResolvedRequest
Adjournment
9510/28/2026 10:00 am25-22746 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledContinued
12/30/2026 10:00 am
Debtor has made 10 of 10 required payments   Arrears: $0
mk adj request to Dec per the adv pro settlement working on satisfying creditorr so they will w/ their POC


As of 10/26/26(mk) Updated PTD

**CAN REC CONFIRM AT $9,200 PTD THEN $920 x 26 Begin 11/1/26 100% . Preserve equity T/H in real and personal property of 25,595 .Claim #2-1 OF MARK E. DOTTORE, RECEIVER is to be treated/paid outside the plan pursuant to a consent judgment in Adv. Pro. case #26-01098.
Plan is reduced to a total of 36 months**



>>Settlement of ADV Pro by Mark Dottore Reciever CONSENT JUDGMENT FOR NON DISCHARABLE 140,000 TO BE PAID ASAP FORM SALE OF PROPERTY OWNED BY LLC. AS SOON AS PAID CLAIM #2-1 WILL BE W/D FROM C BANKRUPTCY CASE. IF THERE IS A DEFICIENCY FROMTHE SALE CREDIOTR WILL FILE A CLAIM IN THE CH 13 CASE

1. Plan can now be 100% as 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 the ADV PRO- and forn ow is to be paid outside and is non dischargeable

plan can be reduced to total 36 months but will complete in way less time


Prop Plan $920 x 60 begin 1/1/26; Base
9/10 payments


------------------RESOLVED---------------------------------
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. RESOLVED BY THE ADV PRO- J'MENT FOR 140,000 AND NON DISCHARGEABLE

- 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
1. 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 ow
Email InquiryMatter ResolvedRequest
Adjournment
9610/28/2026 10:00 am25-22975 / CMGStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 10 of 10 required payments   Arrears: $51.00
As of 10/22/26 (DS): Ok to confirm at $16,743 paid, $2,058 x 50 begin 11/1/26; 0% to gucs

MP Prop $1,550 x 4 begin 1/1/26; $1,727 x 6; $2,034 x 51; 0%
- Adds post-petition mortgage arrears.
Email InquiryMatter ResolvedRequest
Adjournment
9710/28/2026 10:00 am26-10047 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 9 required payments   Arrears: $1,716.00
AS of 10/21/26(mk)

>>THIS PLAN IS NOT FEASIBLE, THERE ARE HUGE MORTGAGE CLAIMS BEING CURED AND THERE IS NEGATIVE DISPOSABLE INCOME
TOTAL PLAN TO BE FUNDED IS 266,178 payments would need to be 5,000 x 51 to cover that-even scheduled income no where near supports that

>>also prior atty (C Legg)had fee balance 4750 and then current atty also 4750- TR NEEDS TO KNOW IF WE ARE PAYING THE PRIOR ATTY AND IF NOT WE NEED SOMETHING IN WRING FROM HIM

** mk heard from C. Legg - he wants his fees- did a lot of work and is entitled to them


9/24 (amt: need order on mfr #32) US BANK(RAS- C Woerner)

1. Citigroup Mortgage Loan Trust/US Bank (Hladik, Onorato & Federman LLP) - objection to confirmation - RESOLVED
- Creditor filed claim 5-1 with arrears in the amount of $13,915.83 to be paid through plan OK TO PAY CLAIM THROUGH PLAN

2. US Trust Bank (RAS) - objection to confirmation - RESOLVED
- Creditor filed claim 6-1 with arrears in the amount of $202,460.72 to be paid through plan OK TO PAY CLAIM THROUGH PLAN

3.Trustee objection
- plan is not feasible



Plan $1,716x60 100% plan
8/9 payments
no guc claims to be paid

-----------------RESOLVED----------------------------
8/17/26 Mk: Consent order submitted 8/17. PNC BANKTerms= post pet 3439.44 to be put in the plan- Debtor to file a MP w/in 14 days to fund the capitalization
mk atty to pay all claims paid - 8/17/26:Order submitted resolving plan objection of PNC- #3 below - PAY POC ARREARS 4-1 $491.38
-There is non-exempt equity in the Hazlet property $503,668, Texas property 212,019 total $715, 867 100% PLAN
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,936 when determining disposable income. ADDED IN
- A copy of the homeowner's insurance renewal declaration for residence - expired - RESOLVED, RENEWAL PROVIDED EFFECTIVE UNTIL 5/25/2027, and updated homeowner insurance for Bethany Rd, if not confirmed by 6/3/26, expires 6/9/26.
- Need Sheriff's Sale Deed (Substitute Trustee's De
Email InquiryMatter ResolvedRequest
Adjournment
9810/28/2026 10:00 am26-11096 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 5 of 9 required payments   Arrears: $4,431.00
AS of 10/20/26(mk);

**CAN REC CONFIRM AT $7,090 PTD THEN $250 x 27 Begin 11/1/26 100%. PRESERVE EQUITY T/H OF $118,859
Sale of real property by 12/31/26.
All non exempt proceeds needed to pay plan off at 100% to be paid to Trustee. Distribution is per plan. Plan length reduced to total 36 mos**


MP proposes$7090 PTD; $250 X 29; (46 COVENTRY TERR); 100%
Sale by 12/31/26
DEBTOR'S COTRIBUTION FROM SON TERMINATED DUE TO LOSS OF INCOME
HOUSE TO BE SOLD

Plan has run 9 mos and 27 remain under the MP
Email InquiryMatter ResolvedRequest
Adjournment
9910/28/2026 10:00 am26-12135 / CMGMark S. Cherry, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 8 required payments   Arrears: $0
10/22/26 (SF)

MP mentions a sale of real estate in Part 10 but Part 1c of the plan is blank (NEED EXPLANATION) Also debtor has nonexempt equity of $62,430 in bank account. Should that be turned over to the Trustee?


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


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

2. Trustee objection:

- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of
confirmation. DISPOSABLE INCOME VERIFIES AT $1152.41

- 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 .

- 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: 8/8


RESOLVED:
- A copy of the last filed tax return - for 2025 by 5/31/2026. (STILL NEED)
AS OF 10/01/26 (Sf) BELOW ISSUES STILL APPLY
AR MUST PROVIDE PROOF OF FILING TAX RETURNS
Adj peremptory last time. TAX CLAIMS ARE STILL ESTIMATED. MP WAS FILED BUT DOES NOT RESOLVE THE ESTIMATED TAX CLAIMS (Tax Claims are Resolved)
- Need proof of auto insurance for 2007 Nissan Versa (Per atty, car was sold prior to filing. Atty to provide cert from debtor.) RECEIVED
- Objection to modified plan filed by Santander Bank (Wilson) - failure to pay arrears of $180,456.10 (OKAY TO PAY?)

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



Email InquiryMatter ResolvedRequest
Adjournment
10010/28/2026 10:00 am26-12639 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 63 of 7 required payments   Arrears: $0
AS OF 10/22/26 (SF)


RECOMMEND FUNDS PTD OF $62625.44 100% PLAN W/MIN DIV OF $51,935.44 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- NO FURTHER PAYMENTS
- PROPERTY SALE DATE WAS 9/2/26



Trustee motion to dismiss scheduled for 10/28/26 at 9



1. Trustee objection:

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

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



Plan proposes $2730 x 3; $1000 x 33; 100% Plan; Sale completed on 9/2/26
Payments: $62,625.44 Received

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- A copy of the last filed tax return - for 2025. (RECEIVED)
- The current Plan does not specify treatment of New Brunswick Postal FCU claim for
$9,132.02 and IRS $14,963 under the Plan. (MP FILED)
- Objection filed by SN Servicing/US Bank (Wohlrab) - failure to pay arrears of $102,259.14 and speculative sale (MP FILED)
- Motion for Relief by SN Servicing (Friedman)- 8/5 at 9 (ORDER ENTERED)
- Motion to Sell scheduled for 8/5 at 9 (ORDER ENTERED)

Email InquiryMatter ResolvedRequest
Adjournment
10110/28/2026 10:00 am26-12942 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $1,882.00
AR RESOLVE OR HOLD
AS of 10/20/26(mk)

**PLAN IS 7 MOS PLD


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

NEED STATUS OF LM- deadline has passed


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? STAY VACATE WAS GRANTED= so plan should be amended to surrender in full satisfaction.

- There is non-exempt equity in the residence $140,477 PLAN HAS TO BE 100%


Plan $1,882 x 60 begin 4/1/26; Base and Loan mod on Stockton Street by 10/1/26
6/7 payments

----------------------RESOLVED----------------------
all allowed as plan has to be 100%
- 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.
. Must resolve the ESTIMATED TAX CLAIM State of NJ 2021-2023 not filed. APOC FILED
IRS POC NOR Longer estimated
- Must provide 2025 Tax return.(PROVIDED)
DSO info sheet provided 6/3/26.
Email InquiryMatter ResolvedRequest
Adjournment
10210/28/2026 10:00 am26-12953 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 6 of 7 required payments   Arrears: $486.00
PEREMPTORY 10/28

AS OF 10/22/26(SF) BELOW ISSUES STILL APPLY

1. Motion for Relief just filed by Carrington Mortgage scheduled for 10/7 (GRANTED)




Plan proposes $504 x 60 Base; Sale by 12/1/26
Payments 5/7 Arrears: $990



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

- 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)

- Carvana filed arrears claim 6-1 in the amount of $2422 which is not addressed in plan (OK TO PAY- YES)

- Apex Land did not file a claim and the bar date expired on 5/27/26. Should this claim be stricken from plan? (PER ATTY OK TO STRIKE
- The debtor has failed to provide proof of service with respect to Plan Motion(s). (STILL IMPROPER SERVICE. DID NOT SERVIE ATTORNEY GENERAL) JUST FILED, NEED 28 DAYS NOTICE

Email InquiryMatter ResolvedRequest
Adjournment
10310/28/2026 10:00 am26-13374 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 6 of 7 required payments   Arrears: $2,254.00
AS OF 10/23/2026 (at):

RECOMMEND: $2,254 x 36 BEGINNING 4/4/2026, SALE BY 12/29/2026, 100% PLAN
- Low base pending sale.
- Preserve non exempt equity of $215,676 in real estate.
- Debtor must provide proof that the trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must provide for vesting at confirmation.

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 $215,676 (100% plan)

Modified plan before confirmation proposes: $2,254 x 36 beginning 4/1/2026, sale of residence by 12/29/2026, 100% plan
Payments: 6/7, arrears $2,254


Email InquiryMatter ResolvedRequest
Adjournment
10410/28/2026 10:00 am26-13495 / CMGFilipe Pedroso, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 7 required payments   Arrears: $2,205.00
As of 10/27/26(mk) Updated

NEEDS TO GET CURRENT AS INCOME IS VERY TIGHT

Work up on plan #33

1. Debtor in arrears $2,204.79 made 5 out of 7 payments .

2. Trustee obj :
- INCOME IS NOT FEASIBILE TO SUPPORT AN INCREASE IN TRUTSEE PAYMENT TO PAY HIGHER ARREARS CLAIM AND 100% TO UNSECURED CREDITORS, DISPOSABLE INCOME VERIFIES $729, WOULD NEED ESTIMATED TRUSTEE PAYMENT OF $900 OR MORE.


Prop Plan $903.75 x 59 begin 4/1/26; $903.89 x 1; 100% ($16,888.76 TIMELY FILED POC)


------------RESOLVED----------
- 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. WORK UP AT 100%
Freedom Mtg (BROCK & SCOTT) obj arrears owed more, POC filed with arrears $32,727.24. Mp pays
- Plan fails to propose Trustee standard order of distribution and mark off 8d Post-petition claims. ADDED LANGUAGE
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. adds PP arrears to plan for 3,866.70
Note: 2025 Tax return provided.
- Must file Pre-confirmation certification.FILED
Email InquiryMatter ResolvedRequest
Adjournment
10510/28/2026 10:00 am26-13663 / CMGLee M. Perlman, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 6 required payments   Arrears: $3,528.00
AS OF 10/23/26 (SF)


1. NOT CURRENT WITH PAYMENTS ARREARS: $3528

2. Objection filed by LoanDepot.com (McDonough) - failure to pay arrears of $68,993.38 and feasibility (MUST RESOLVE)

3. The plan proposes to cram interest rate of National Credit Adjusters who filed an unsecured claim (15-1). The plan proposes $12,518 and the claim was filed in the amount of $12,518.27 (OK TO PAY CLAIM?)



Plan proposes $1764 x 60 100% Plan
Payments: 4/6 Arrears: $3528

Email InquiryMatter ResolvedRequest
Adjournment
10610/28/2026 10:00 am26-13789 / CMGAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 8 of 6 required payments   Arrears: $0
AS OF 10/23/2026 (at):

1. Objection filed by PNC Bank (KML) - plan is silent as to this mortgage with a payoff of $9,615.15 and arrears of $0. (UNRESOLVED)

2. Objection filed by Deutsche Bank (Robertson Anschutz) - objecting to cram of first mortgage. Failure to cure pre-petition arrears of $105,027.39. (UNRESOLVED)

3. Objection filed by New Rez (Stewart Legal) - same as objection by Deutsche Bank. (UNRESOLVED)

4. Trustee's objection:
- Business profit & loss statements (NOT RECEIVED)
- A copy of the last filed tax return - for 2025 when filed (NOT RECEIVED)
- 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 debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on MEB REO Trust. (CERT OF SERVICE 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 (NOT FILED CORRECTLY)

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):
- A current market analysis - for 75 S. Main Street, Lambertville City, NJ 08530. (NO LONGER OWN FOR 10 YEARS)
- The plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7
- There is $69,085 in non exempt equity in the residence. (LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration - for 75 S. Main Street, Lambertville City, NJ 08530. (NO LONGER OWN FOR 10 YEARS)
- Need March and April bank statements for PNC checking account. (RECEIVED - BALANCE $17,495)
- A copy of the deed - for 75 S. Main Street, Lambertville City, NJ 08530. (NO LONGER OWN FOR 10 YEARS)
- Amendments to Schedules to list 75 S. Main Street, Lambertville City, NJ 0
Email InquiryMatter ResolvedRequest
Adjournment
10710/28/2026 10:00 am26-13793 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanRecommend Modified Plan be DeniedDebtor has made 2 of 6 required payments   Arrears: $2,060.00
10/27/26) Atty just provided copy of certified check for $300. Debtor is still not signed up for ewage


AS OF 10/21/26 (SF) RECOMMEND DISMISSSAL ON TRUSTEE CERT OF DEFAULT

1. 10/6 Per Mary's email to Cameron, debtor was supposed to make a payment of $300 to determine if she can make payments without ewage. As of 10/21 no payment received

2. Trustee Cert of Default scheduled for 10/28 at 9



Debtor surrendered her cars. Why is there still auto insurance listed on Schedule J. Disposable income verifies higher at $622

Also Debtor was supposed to sign up for ewage previously and never did.


1. Trustee Cert of Default scheduled for 10/7 at 9

2. Motion for Relief filed by American Credit scheduled for 10/7 at 9 (GRANTED)


MP proposes $282 x 4; $200 x 56 0% Plan
Surrenders American Credit Acceptance (Nissan) in full satisfaction
Plan has run 5 months with 55 months remaining
Arrears: $1495



Email InquiryMatter ResolvedRequest
Adjournment
10810/28/2026 10:00 am26-14069 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 6 required payments   Arrears: $0
adj to 10/28 for realtor retention and listing

As of 10/21/26 (mk): No application to appoint realtor filed of listing provided


1. MFR filed by SPS, Debtor in post-pet arrears $10,000.50 as of 7/1/26, sched 10/28/26. Need outcome.

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

3. Trustee obj to the following:
-IS TR PAYING MTG ARREARS on 1st mtg PENDING SALE?
- amended i & j filed and POI-- disposable income now 1,334 and proposed plan payments 300
- case is already 6 mos old sale date of 4/2027 is to long . needs updated listing and realtor retained and listing agreement before the end of 2026. INTERNET SAYS PROP IS NOT FOR SALE

Plan $300 x 60 begin 5/1/26; Base and Sale of Virginia Ave by 4/1/27
current

-----------------RESOLVED---------------------------------------
- There is non-exempt equity in the Acorn Investment acct $538, which was not listed on Sched B and no Sched C d(5) exemptions remain
Note: Acorn statement and spouse POI provided 9/16/26. State of NJ estimated claim amended. Updated homeowner insurance, Auto insurance for 2021 Nissan Altima and 2025 Tax return provided.
- Updated proof of income from spouse provided 9/16/26 who has returned to work has been provided and verifies much higher, there is disposable income $2,967, versus plan proposing $300 and Sched I showing income -$124. 2025 Tax return shows Debtor and spouse generated $233k, 2024 as well.
- Must amend Sched I to include spouse income. FILED
- Disposable income verifies much higher now that spouse spouse has returned to work, also car payment $458 ends in month 25 and will require a tier, 2025 Tax refund and amended Sched I subject to increase.
Email InquiryMatter ResolvedRequest
Adjournment
10910/28/2026 10:00 am26-14424 / CMGPRO SEConfirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $800.00
As of 10/23/26(mk):

341 was held 10/22

1. Objection by Deutsche Bank( padgett ) arrears 60,301.36
plan not feasible
Debtor correspondence at #24- lender atty J. Goldman - debtor is requesting a post pet ledger of payments rom his client

2. Trustee Objection:
- plan is not feasible : PLAN NEEDS PTD 4,000 then 1576 x 54 begin 11/1
- debtor has insufficient income. Disposable income verifies $165. ON TFS
-Need Proof of 2 month's income - for August and Sept for Burlington and T J Max jobs.
- Need Bank statements from NFCU, Spruce and Bank of America savings acct#343 (shown on Bank of America acct#327) from March and April prior to filing date and Bank of Americaacct#327 from 3/11/26-4/22/26.
- Amendments to Schedules C to take all exemptions on personal assets.
- must file pre conf cert
-

Plan:$800 x 60 begin 5/1/26; Base
5/6 payments

-----------------------------------
A Modified Plan that marks off Part 8a Vesting upon Confirmation, Part 8d Post-petition ADDED LANGUAGE
claims needs to be marked and Trustee standard order of distribution
5/6 payments
Email InquiryMatter ResolvedRequest
Adjournment
11010/28/2026 10:00 am26-14446 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0
AS OF 10/22/26 (SF) BELOW ISSUES STILL APPLY


1. Motion to Reduce State of NJ claim 11-1 scheduled for 11/18/26 at 9 (No Opposition)

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

3. 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

4. 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: 6/6



Email InquiryMatter ResolvedRequest
Adjournment
11110/28/2026 10:00 am26-14664 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 6 required payments   Arrears: $0
AS OF 10/23/26 (SF)

Note: MP filed to remove loan mod and now propose a sale which creditor objects

1. Objection to MP filed by Nationstar/Computershare Trust (Holdren) - failure to pay arrears; speculative sale and feasibility (MUST RESOLVE)

2. Trustee Motion to dismiss scheduled for 10/28 at 9

3. Trustee objection:

- The debtor has insufficient income. (Negative $2924.71)

- 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; Sale by 10/1/27
Payments: 5/6 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.
- Motion for Relief by Nationstar/Computershare Trust Co scheduled for 9/16/26 at 9 (ORDER ENTERED)
Email InquiryMatter ResolvedRequest
Adjournment
11210/28/2026 10:00 am26-15078 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $1,200.00
10/28/26 PEREMPTORY

As of 10/20/26(mk)

ARREARS ARE 1,200. Last payment posted 10/14/26

>>LOOKS LIKE THE CROSS MOTION TO DNEY STAY EXTENTION IS ON 10/28= RELISTED AS COULD NOT SETTLE ON ORDER

Need for orders Motion and Cross motion on stay extension INCOME REALLY DOES NOT SUPPORT THE HIGHER PAYMENT ( Dispos income only 1,462

- NO ORDERS ENTERED ON 6/3/26 HEARINGS OTBS ON DOC #3(Motion To Extend Stay & #17(Cross Motion To Deny Extend Stay and for Prospective Relief). THEY WERE MARKED OTBS BUT APPEARS NOT RESOLVED=SO THEY WERE RELISTED FOR 10/28

-Priority claims filed by:
> 11-1TWP OF OCEAN, MONMOUTH COUNTY for $434,06:
>12-1 of TWP OF OCEAN, MONMOUTH COUNTY for7,448.02
>13-1 of TWP OF OCEAN SEWERAGE AUTHORITY for $923.35
NOT IN PLAN OK TO PAY?


Plan $800 x 3 begin 6/1/26; $2,400 x 57 begin 12/1/26; 100%
arrears 1200

----------RESOLVED-------------------------
- NE EQUITY $822,025. PLAN PROPOSE 100%. TOTAL GUCS FILED $24,951.41.
- MUST FILE PRE-CONFIRMATION CERT.FILED
. 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. ORDER SUBMITTED PAY POC ARREARS
- MUST FILE PRE-CONFIRMATION CERT.FILED
- 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.
Email InquiryMatter ResolvedRequest
Adjournment
11310/28/2026 10:00 am26-15365 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 5 required payments   Arrears: $0
issues as of 10/23/2026 (JMA)

TO CONFIRM NEED $3,750 PAID TO DATE, $886X55 BEGIN 11/1/2026 100% PLAN

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for TFS or ewage within 7 days of confirmation. PAYMENT BY CASHIERS CHECK
- The debtor has failed to supply the Trustee with the following document(s): Need April and May bank statements for account number 9782. ONLY PROVIDED APRIL STATEMENT FOR THIS ACCOUNT. STILL NEED MAY STATEMENT.
- Amendments to Schedule I for family contribution and rent payments.
- 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 $11,000 in non-exempt equity in the bank account.
- There is $90,884 in non-exempt equity in the residence.
TOTAL NON-EXEMPT EQUITY $101,884

proposed plan: $750x60 base
paid to date $3750
last claim 4-1

Email InquiryMatter ResolvedRequest
Adjournment
11410/28/2026 10:00 am26-15388 / CMGTimothy P. Duggan, Esq. Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 0 of 5 required payments   Arrears: $0
AS OF 10/23/2026 (at):

NO PLAN WAS EVER FILED IN THIS CASE.

1. 341 has not been held or rescheduled.
2. Payments: 0/5
Email InquiryMatter ResolvedRequest
Adjournment
11510/28/2026 10:00 am26-15402 / CMGYakov Rudikh, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 4 of 5 required payments   Arrears: $450.00
AS OF 10/27/26 (SF) Per Atty ok to dismiss/hold fees.


1. Motion for Relief by Capital One Auto scheduled for 11/18/26 at 10 (2018 Dodge Durango) MUST RESOLVE

2. Trustee objection:

- Income verified higher for co debtor resulting in disposable income of 2,041.

2. Must file pre-confirmation certification



Plan proposes $450 x 60 Base
Payments: 4/5 Arrears: $450


RESOLVED:
1. Objection filed by American Honda Finance Corporation (Stewart) - failure to pay arrears of $3879.03. (MP FILED)

2. The plan proposes to pay arrears to Capital One Auto in the amount of $18,000. The arrears are only $1748.48. Please advise how this claim is to be treated
(MP FILED)
Email InquiryMatter ResolvedRequest
Adjournment
11610/28/2026 10:00 am26-15494 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
AS OF 10/23/26 (SF)


1. Motion for Relief by PNC Bank scheduled for 11/18 at 9 (MUST RESOLVE)

2. Trustee Motion to dismiss 10/28/26 at 9

3. Trustee objection:

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


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

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

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


Plan proposes $850 x 12; $1250 x 12; $1500 x 12; $1750 X 12; $2000 x 12 100% Plan
Payments: 5/5


RESOLVED:
- The debtor has not filed the required Pre-Confirmation Certification
- Objection filed by Freedom Mortgage (Wilson) - failure to pay arrears of $7858.03 (LOAN MOD COMPLETED)
- Objection filed by LOGS Legal Group (Wassall) - failure to pay arrears of $13,329.77 (ORDER ENTERED)
- Wells Fargo filed bifurcated claim 4-1 for furniture that is not addressed in plan (MP PAYS CLAIM IN FULL)
- Need order for payments on 3 cars w/ interest through the plan. (MP FILED)
Email InquiryMatter ResolvedRequest
Adjournment
11710/28/2026 10:00 am26-15690 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $4,200.00
MFR on 11/18

As of 10/20/26(mk)

>>Payments: 3/5, ARREARS 4,200
NO AMENDED I/J MFR 11-18
1. Co debtor was to return to work in Sept 2026- Need proof of income and amended I & J if that has happened.

Plan proposes: $2,100 x 18 beginning 6/1/2026, $3,060 x 42, 0% to unsecured creditors
Payments: 3/5, ARREARS 4,200

----------RESOLVED---------------
IRS AND NJ Division of Taxation filed an estimated claim which needs to be amended. (APOC FILED)
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. ORDER SUBMITTED 9/29/26 :PAY ARREARS POC
- 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)
- need updated income from debtor when she returns to work in Sept 2026 (LANGUAGE ADDED)
Failed to file the required Pre-Confirmation Certification. ( FILED)
- Need a A copy of the last filed tax return - for 2025 with all schedules. ( RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
11810/28/2026 10:00 am26-15786 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
11/18/2026 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $300.00
adj to 11/18 so IRS Motion can be resolved

As of 10/23/26(mk) Updated

Work up on plan #31- IRS Motion has to be resolved before we get to Conf.

>>Motion to Extend LM 10/28- OTBS-LM package already been uploaded to portal

>>Motion to Modify the IRS POC 10/28- Tr objection

1. Trustee objection:
- need proof of parent contribution to fund increased plan tiers
- plan avoids judgment of American Express Travel Services- no claim was filed for this creditor
- AMENDED I & j FILED AND UPDATED POI PROVIDED as of now disposable income on schedules is$3,980 and and now last verified on 10/23 per update P & L for debtor and update pay from NFS at 3,925 and plan payment this tier is 1300 p/m and then goes up to 4119 in 2 mos- No proof of parent contribution to fill in gap

2. Objection By NewRez( McCalla): RESOLVED OTBS providing for the terms in the loss mit order.




Plan:$725 X 4; $1300 X 3; $4719.86 X 53; LM 12/2026; BASE plus lm by 11/2026 st loans outside plan - no claims filed for std loans
case is 5 mos old arrears 300- we are in the second tier of payments
plan says parent contribution will fund increased tiers

---------RESOLVED------------------------
>>Motion to Modify the IRS POC 10/28- Tr objection
-excessive expenses:$2,150/month for self employment tax-NEED
PROOF THIS IS ACTUALLY PAID- removed form amended J

Email InquiryMatter ResolvedRequest
Adjournment
11910/28/2026 10:00 am26-15921 / CMGRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 3 of 5 required payments   Arrears: $500.00
AS OF 10/23/2026 (at):

DEBTOR HAS THREE OF FIVE 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: 3/5, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
12010/28/2026 10:00 am26-15972 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 5 required payments   Arrears: $1,970.00
AS OF 10/27/26(mk): updated email to atty- ok to terms


**CAN REC CONFIRM AT $1,859.54 PTD THEN $1,019 x 55 Begin 11/1/26 100%.Preserve non-exempt equity of $204,016.30 in real estate. The per plan claim of TWP OF MIDDLETOWN/Sewer in the amount of $562.82 will only be paid if a timely proof of claim has been filed before the government bar date.
Trustee is authorized too pay claim #6-3 of the INTERNAL REVENUE SERVICE in the amount of $315.31 through the plan**



Plan proposes: $766 x 60 beginning 6/1/2026, 100% plan

----------------------------------
>>MIDDLETOWN TOWNHOMES ASSOC FILED 2 SEPARATE UNSECURED CLAIMS FOR DUES AT #3-1 AND 9-1 both over 14,000 is claim 9 really an Amended claim as that claim has back up and claim #3-1 does no.? mk atty says parg POC # 9 says in parg 4 it is amending claim #3-claim adjusted

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) PLAN SURRENDERS IN FULL SATISFACTION ORDER SUBMITTED 10/20/26 ALLOWING CREDIOTR TO FILE A DEFFICIENCY CLAIM
- 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)
- 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)
. 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)
The IRS filed an estimated claim which needs to be amended. see APOC 9/16
Email InquiryMatter ResolvedRequest
Adjournment
12110/28/2026 10:00 am26-16012 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $2,322.00
AS OF 10/20/26(mk):

>>MFR By Selene(RAS) on 10/28/26

1. The IRS filed an estimated priority claim. Need amended claim.

2. 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) PLAN SURRENDERS IN FULL SATISFACTION

Plan proposes: $2,322 x 60 beginning 6/1/2026, 100% plan
Payments: 4/5, arrears $2,322


---------------RESOLVED-----------------------------------------
>>MTG ARREARS CLAIMS MUCH HIGHER THAN PLAN but income can cover it
Objection filed by Citigroup Mortgage (Hladik, Onorato) - Prop at #102 - failure to cure arrears of $2,281.24 (Per claim). Plan does not list this creditor. (UNRESOLVED) NO CLAIM WAS FILED BY THIS CREDITOR ON PROP AT #102- ONLY CLAIM FILED WAS #11-1 BY WILMINGTON SAV FOR 2,281.24- WILL ADD LANGUAGE TO PAY

Objection filed by New Rez - for prop # 3230 - failure to cure arrears of $78,519.08 per POC. Plan proposes to pay $27,605.82. (UNRSOLVED)mk PER ATTY PAY- language added
Objection filed by US Bank (Roberson Anschutz) - prop at # 3276 - failure to cure full arrears - per POC $57,707.51. Plan proposes to pay $50,429.60. (UNRESOLVED) mk PER ATTY PAY- language added

Plan has LM on 12 Dayton - No property w/ that info owned by Debtor- WILL STRIKE THAT LANGUAGE

- There is estimated nonexempt equity of $575,355 in real estate LANGUAGE ADDED TO PERSERVE EQUITY T/H

PLAN IS 100%
-debtor not paying all disposable income into plan.
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 shortene
- Domestic Support Obligation information Must provide copy of Court order for $1500 su
Email InquiryMatter ResolvedRequest
Adjournment
12210/28/2026 10:00 am26-16096 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 10/27/26(mk): Updated for PTD email to atty-ok to terms

**CAN REC CONFIRM AT $8,706 PTD Then $1,890 x 55 Begin 11/1/26 0%**

Plan proposes: $1,701 x 60 beginning 6/1/2026, $0 to unsecured creditors
Payments: less than 4/5, arrears $1,201

-------------RESOLVED------------
- 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 $18,000- MAY BE LESS IF I GET PROOF OF 2 PARTIAL MTG BY NJ HOUSING- working on it and will update w/terms shortly PROOF PROVIDED OF NJ Emergency Rescue Mtg Assistance (ERMA
Email InquiryMatter ResolvedRequest
Adjournment
12310/28/2026 10:00 am26-16413 / CMGAvram D. White, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
MK notes: 9/1: email from Steve kelly( Hinshaw & Culbertson) his firm is handling the ADV PRO for creditor and 9/22/26 has filed a motion to Dismiss the ADV PRO
HEARING SCH 10-27 @10:00am
AR PER CMG AP WILL BE DISMISSED DEBTOR TO FILE MOTION TO EXT LOSS MIT
8/26/26:Debtor filed adv pro vs Selene for multiple counts for relief including ordering creditor to implement the LM, discrimination, negligence in loan servicing, unjust enrichment and consumer fraud.

8/26 AMT: INTERIM SCH ORDER TO CHAMBERS/7 DAY<>:US BANK TO FILE EITHER MTN TO DISMISS MAIN CASE OR MTN TO DISMISS/SJ IN AP, WHICHEVER IS APPROPRIATE, BY 9/23/26 DEBTOR RESPONSE TO MTN BY 10/14

mk see purple note in case about companion case 25-10198(MBK) SP case the pro is jointly owned by debtor an spouse -

Obj by C Woerner- denied for a LM and debtor filed adv pro- wants case dismissed



AS OF 10/26/26 (SF) UPDATED

1. Adv Pro filed by debtor 26-1387; pretrial 11/3 (PER STEVEN KELLY Gravelle is dismissing under abstention the AP. and wants debtor reviewed for loss mitigation. Motion to Extend must be filed by debtor)

2. Motion to Dismiss Adv filed by US Bank 10/27 at 10

3. Motion to Dismiss case with prejudice for bad faith filing filed by US Bank and scheduled for 11/18/26 at 9

4. Objection filed by US Bank (Woerner) - failure to pay arrears; speculative loan mod and feasibility

5. IRS filed priority claim 8-2 in the amount of $241.62 which is not addressed in the plan (OK TO PAY?)

6. Trustee objection: RESPONSE FILED, PROVIDED DOCS

- The debtor has insufficient income. Income is negative $643.61

7. Attorney must file Chapter 13 disclosure statement



Plan proposes $125 x 36 ?? Loan Mod by 10/31/26
Payments: 4/4




RESOLVED:
- Estimated IRS Claim (AMENDED)
- Need a copy of the homeowner's insurance renewal declaration - debtor provided a Certificate (Binder) of property insurance. Need to provide declaration showing coverage. (RECEIVED)
- Need a copy of the last filed tax return - 2
Email InquiryMatter ResolvedRequest
Adjournment
12410/28/2026 10:00 am26-16692 / CMGErik Frins, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $331.00
AS OF 10/27/26 (mk):updated email to atty

**CAN REC CONFIRM AT $3,649.42 PTD THEN $995 x 32 Begin 11/1/26 BASE**

Plan proposes: $995.21 x 36 beginning 7/1/2026, base
Payments: 2/4, arrears $1,531.42

-------RESOLVED------------------
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)
Email InquiryMatter ResolvedRequest
Adjournment
12510/28/2026 10:00 am26-16786 / CMGEvan N. Pickus, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 10/23/2026 (JMA)

RECOMMEND CONFIRMATION TERMS $2,000 paid to date, $1,410x56 begin 11/1/2026 base plan

1) Capital One Auto Finance (Stewart Legal) objection to confirmation - RESOLVE - PAYING $45,191.61 THROUGH PLAN

3) Trustee objection to confirmation - RESOLVED, PROVIDED

proposed plan $500x60 base plan
paid in $1,000
arrears $500
last claim 19-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return for 2025. RESOLVED, PROVIDED 2025 RETURN, NO REFUND
- Acorn account statement showing amount of value from June. RESOLVED, PROVIDED STATEMENT BALANCE AS OF 6/30/2026 $3050.73
- A Modified Plan that marks off 1e and put all secured claims in Part 4f, not 4g to be paid in full through plan, unless creditors are to be paid in full. RESOLVED
2) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - CONSENT ORDER RESOLVING OBJECTION TO CONFIRMATION
- The Debtors agree that they shall cure the full amount of Creditor's valid secured Proof of Claim (#18) which lists pre-petition arrears in the amount of $3,410.66.
- 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
- Creditor filed claim 2-1 in the amount of $36,496.83 secured amount.
- The Debtor's Plan includes a claim amount of $38,455 to be paid at an interest rate 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 ter
Email InquiryMatter ResolvedRequest
Adjournment
12610/28/2026 10:00 am26-16983 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $494.00
AS OF 10/23/26 (mk):Updated- email to atty-ok to terms


** Would need to confirm at$1506 PTD Then $500 x 6 Begin 11/1/26 Then $2,468 x 50 Begin 5/1/27 100%.- 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 $340,047 in real estate.
- must file per conf cert**



Plan proposes: $500 x 10 then 1390 x 50, 100% plan
Payments: 3/4 payments

---------------RESOLVED-------------
- The debtor must provide proof of auto insurance for the 2002 Harley Davidson. (NOT RUNNING)
- The IRS filed an estimated claim which needs to be amended. (APOC FILED)
- There is $340,047 in non exempt equity in the residence. (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- The debtor has insufficient income. (OWNS BUSINESS SO CAN'T DO E-WAGE)debtor is on TFS
- VA benefits listed on schedule I and P&L by mistake. (ADJUSTED INCOME)
- debtor has failed to file a feasible plan . Debtor has insufficient income to fund this plan. How is the second tier to be funded?- per atty debtro taking over a competitiors business in Jan and that will cover 2nd tier 100% plan-
failed to file the required Pre-Confirmation Certification. DDED LANGUAGE
Email InquiryMatter ResolvedRequest
Adjournment
12710/28/2026 10:00 am26-17133 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $722.00
As of 10/23/26(mk): Updated-email to atty- Ok to Terms

Due to excess disposable income plna needs to be 100%

**CAN REC CONFIRM AT $2,166 PTD THEN $1,080 x 56 Begin 11/1/26 100%**


1. Debtor now arrears 722- 1payment

2. Trustee objection:
- That disposable income verifies $3,341. TOTAL GUCS FILED should be 100% plan $28,683.60.



Prop Plan $722 x 60 begin 7/1/26; 0%
3/4 payments

---------RESOLVED--------------
. Service to Driveway Fin(for Toyota) was improperly served, fails to serve to the ATTN: MANAGING AGENT. WILL NEED TO SERVICE AGAIN DONE

AND SERVE TO JEFFERSON CAPITAL SYSTEM, LLC PO BOX 7999 ADDRESS ON POC AND SERVE TO ATTN: MANAGING AGENT.
- Tax refund was not included on Sched I, which is now part of disposable income. ADDED IN
Email InquiryMatter ResolvedRequest
Adjournment
12810/28/2026 10:00 am26-17154 / CMGBrian F. O'Malley, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $350.00
341 10/29/26

MK> debtor not using Loss Mit or portal Tr will object as failed LM before outside -


>ONLY 3 CLAIMS FILED IN CASE. 1ST ANS 2ND MTG AND 1 GUC CLAIM FOR 730.44 ALL ABOUT A LM WHICH FASILED IN LAST CASE AFTER NUMEROUS DELAYS

1. Objection by US BANK (Brian Caine)
- DEBTOR 6 YR IN DEFAULT and arrears of 166,206
Bad faith- last case LM by 12/31/24 date extended to 5/1/25 and then 11/20/25 This case LM by 6/30 2027
-Debtor does not have income to fund plan or get a LM


plan $350 x36 with loan mod by 6/30/2027
3/4 payments
Email InquiryMatter ResolvedRequest
Adjournment
12910/28/2026 10:00 am26-17311 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 10/20/2026 (JMA)

OK TO CONFIRM AT $250X36 BASE PLAN
- Provide proof of 2 month's income for debtor when he returns to work by February 2027.
- Need any information if debtor gets employment.


1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income for debtor when he returns to work by February 2027.
- Need any information if debtor gets employment.

proposed plan $250x36 base plan
paid in $1,000
last claim 10-1

RESOLVED ISSUES:

- The debtor has insufficient income. Need TFS - RESOLVED, PAYMENTS MADE THROUGH TFS
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- A Modified Plan that completes part 5 RESOLVED, MODIFIED PLAN FILED COMPLETING PART 5.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,274.00 when determining disposable income. RESOLVED, TAX RETURN INCLUDED IN INCOME ANALYSIS.
Email InquiryMatter ResolvedRequest
Adjournment
13010/28/2026 10:00 am26-17478 / CMGKarl J. Norgaard, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 1 of 4 required payments   Arrears: $150.00
As of 10/16/26 (DS): Debtor atty requested adj to pass bar date, atty requested 11/25/26, there is no hearing date for CMG on this date.

Prop Plan $50 x 60 begin 7/1/26; 100% and Sale of Lyons Ave by 7/27/27
Email InquiryMatter ResolvedRequest
Adjournment
13110/28/2026 10:00 am26-17628 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/23/26 (SF)


1. Objection to MP filed by PennyMac Loan Services (McDonough) - failure to pay arrears of $78,644.49, speculative sale and feasibility (MUST RESOLVE)

2. Objection filed by Affinity FCU (Rebecca McDowell) - failure to provide for Judgement creditor (THE MODIFIED PLAN AVOIDS LIEN AND RECLASSIFIES TO UNSECURED - MUST RESOLVE)

3. Trustee motion to dismiss 10/28 at 9

4. Trustee objection:

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

- The debtor has undertaken an improper use of exemption. Specifically: Schedule C takes
improper exemptions by taking 100% of fair market value on the residence, cash on hand, bank accts, potential claims again creditors, potential personal injury settlement and potential unemployment. (MUST AMEND SCHEDULE C TO TAKE EXACT EXEMPTION AMOUNTS)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Sched J has expenses that when Debtor's sell property, but property is not listed to be sold and plan has a sale date 1/2027. Monthly expenses are monthly rental security deposit $1,000 and has rent $2,650 total $3,650, per mtg statement mo. payment is $5,980.77, so this is not being paid, as well as Storage unit $310.

- Sched J also has excessive expenses: Tele/Cell/Cable/Internet $400, Streaming services
$96, Food $700 and Food away from home $250 total $950 and Secured debt to Rich's Pawn
$101.25. Must provide proof of expenses 10 days prior to confirmation.

- 22c has expense for mortgage payment $1,189.48, which will be paid at sale not in plan to be paid and Line 35 IRS tax claim was filed for $23,264.43, not $35,589. There is disposable income.

- 22C has disposable income $1,394.88, which would require min. div. $83,693 to gucs.

- There is disposable income $2,096.

- Add to confirming order non-exempt proceeds from sale of residence to Trustee .

- Add to confirming order non-exempt proceeds from any lawsuits or potential auto a
Email InquiryMatter ResolvedRequest
Adjournment
13210/28/2026 10:00 am26-17630 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 3 required payments   Arrears: $500.00
As of 10/22/26 (DS): 1. Debtor in arrears $500, made 1 out of 3 payments, last payment made $250 on 9/17/26.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$513.
- Must provide 2025 Tax return.
- There is non-exempt equity in the residence $110,076.
- Must resolve Towd Point Mtg obj.
- Add to confirming order fee app within 7 days from confirming order.
- Add to confirming order must file Pre-confirmation certification within 7 days from confirmation.

3. SPS (CORY WOERNER) obj to arrears owed are more, POC filed $34,387.84. Must resolve obj.

Prop Plan $250 x 6 begin 8/1/26; $1,000 x 54; 100%
Email InquiryMatter ResolvedRequest
Adjournment
13310/28/2026 10:00 am26-17633 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $216.00
AS Of 10/26/26(mk) updated

**CAN REC CONFIRM AT $444 PTD Then $220 x 45 begin 11/1/26 Base. Must file pre conf cert w/in 7 days of confirming Order**


1. Trustee obj :
- Must file Pre-confirmation certification.

Plan $220 x 48 begin 8/1/26; Base

---------RESOLVED--------------------------
- 2020 Kia K5 was totaled and is being surrendered. NCF
Email InquiryMatter ResolvedRequest
Adjournment
13410/28/2026 10:00 am26-17725 / CMGRoman Akopian, Esq.Confirmation Hearing ScheduledContinued
12/30/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $320.00
AS OF 10/23/26 (SF)

1. Trustee objection:

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

- Need a statement for the retirement loan. (STILL NEED)

- Amendments to Schedules C to take correct exemptions. (STILL NEED)

- Verified income leaves monthly disposable income of $854.56.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,381.00 when determining disposable income.

- The debtor has failed to provide proof of service with respect to Plan Motion(s). Need proof of service on American Credit Acceptance.

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



Plan proposes $217.60 x 60 Base
Payments: 1.5/3 Arrears: $320.20


Email InquiryMatter ResolvedRequest
Adjournment
13510/28/2026 10:00 am26-17792 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,000.00
AS OF 10/22/26 (SF) PLAN IS NO LONGER FEASIBLE DUE TO HIGHER CLAIMS

1. Objection filed by Lakeview Loan Servicing (Fissel) - failure to pay arrears of $50,854.38

2. IRS filed amended claim 9-2 in the amount of $52,207.19 which makes the plan infeasible

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

4. Trustee objection:

- Need a copy of the last filed tax return - 2025 (STILL NEED)

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

5. Must file pre-confirmation certification



Plan proposes $1000 x 60 Base
Payments: 2 of 3 Arrears: $1000


RESOLVED:
1. The IRS filed an estimated priority claim 9-1 (AMENDED)
Email InquiryMatter ResolvedRequest
Adjournment
13610/28/2026 10:00 am26-17841 / CMGPRO SEConfirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
MK debtor current- going to adj as he needs to serve Santander on cram bar date has passed and only 3 guc claims and 1 santander claim

issues as of 10/20/2026 (JMA)

1) 341 scheduled for 10/22/2026 - once 341 hearing held, workup will be completed
Email InquiryMatter ResolvedRequest
Adjournment
13710/28/2026 10:00 am26-17866 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $2,053.00
AS OF 10/26/2026 (at):

RECOMMEND: $4,106 PAID TO DATE, $3,025 x 57 BEGINNING 11/1/2026, 100% PLAN
- Need order resolving objection by New Rez within 30 days of confirmation.
- Preserve non exempt equity of $89,609 in real estate.

1. Objection filed by New Rez (Hill Wallack) - failure to cure full arrears of $81,487.38 (Per claim). Plan proposes to pay $73,173.42. (UNRESOLVED)

2. Trustee's objection:
- amendments to schedules Schedule A/B fails to provide property value. (AMENDED)
- The debtor is not paying all disposable income into the plan pursuant to either Schedules I and J or 22C based upon the trustee's review of the income and tax returns provided. The trustee's calculations are higher for the following reasons:
- There is $3,583 in monthly disposable income.
- There is $89,609 non-exempt equity in real estate. (LANGUAGE ADDED)

Plan proposes: $2,053 x 60 beginning 8/1/2026, base
Payments: 2/3, arrears $2,053
Email InquiryMatter ResolvedRequest
Adjournment
13810/28/2026 10:00 am26-17939 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 10/20/2026 (JMA)

1) New Jersey Housing and Mortgage Finance Agency (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- The filed proof of claim only provides for arrears in the amount of $30.00 through plan
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): A copy of the homeowner's insurance renewal declaration, policy expired 9/22/26. NOT PROVIDED TO DATE
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C takes improper exemption d(3) for Fish $10, should be d(5). HAS NOT FILED AMENDED SCHEDULE TO CORRECT
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Personal Care $500, Auto Insurance $477, 2 car payments $343.52 & $441.96 and Auto maintenance $200. Must provide proof of expenses 10 days prior to confirmation. SUPPORTING DOCUMENTATION HAS NOT BEEN PROVIDED TO DATE.
- The current Plan does not specify treatment of US Dept of HUD under the Plan. TREATMENT OF CLAIM NOT RESOLVED
- 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 bank acct $12,053 and $32,000 in equity in the residence once the solar panel creditor is removed as a secured creditor.
- Must resolve LoanCare objection, claim filed with arrears for $30.
- Add to confirming order non-exempt proceeds from contract claims against Titan Solar to Trustee, if any.
- Debtor to provide a certification regarding the $106,000 June bank deposit. STILL NOT RESOLVED
3) The plan provides for a 100% plan. The gucs filed total $91,651.17. This requires a significantly higher plan payment. NEED TO RESOLVE

proposed plan $502x60 100% plan
paid in $1,004
arrears $502
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
13910/28/2026 10:00 am26-18030 / CMGJeffrey H. Ward, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/22/26 (SF) Adj request denied. Need consent from objecting creditor




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: 3/3



Email InquiryMatter ResolvedRequest
Adjournment
14010/28/2026 10:00 am26-18049 / CMGScott M. Wilhelm, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/23/2026 (at):

RECOMMEND: $1,000 X 24 BEGINNING 8/1/2026, $1,275 x 36, 100% PLAN
- Claims will be paid according to the trustee's order of distribution.
- Preserve non exempt equity of $14,860 in real estate.
- Preserve non exempt equity of $19,484 in personal property.

Trustee's objection:
- The debtor has filed to file a feasible plan - that proposes a tire when Debtor pension loan of $192 ends 8/21/2028. (MODIFIED PLAN FILED)
- 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):
- 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)
- A Modified Plan that marks off Part 5a unsecured creditors and propose Trustee standard order of distribution. (MODIFIED PLAN 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. (FILED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- 22C has disposable income $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.
- 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 account 4982 $3,809. (LANGUAGE ADDED)
- The debtor's plan proposes an order of distribution that is contrary to the trustee's recommended order of distribution. (LANGUAGE ADDED)

Modi
Email InquiryMatter ResolvedRequest
Adjournment
14110/28/2026 10:00 am26-18142 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 3 required payments   Arrears: $0
As of 10/22/26 (DS): 1. Trustee obj to the following:
- Valuation provided for timeshare gives no value states cannot give a value or estimated or resale value.
- Service to Club Exploria done 10/14/26 was improper address served is not correct they have no such address in AZ, per research address to serve legal docs is 25 Town Ctr Blvd, Ste C, Clermont, FL 34714 or Club Exploria, LLC c/o Corp Service Co. Attn: Authorized Agent for Service Process 830 Bear Tavern Rd, Ste 305, West Trenton, NJ 08628. NEED PROPER SERVICE AND ADDRESS TO BE ABLE TO PAY THE CREDITOR THE FUNDS, NO POC HAS BEEN FILED BY THE CREDITOR.
- There is non-exempt equity in the residence $114,297 and $15,407 in the South Carolina property total $129,704.
- Must resolve creditor objection.

2. Movement Mtg (CHARLES WOHLRAB) obj arrears owed, POC filed arrears $2,296.77, plan had $0.

Prop Plan $2,023 x 60 begin 8/1/26; 100%
Note: Homeowner insurance and Deed provided on SC property provided.
Email InquiryMatter ResolvedRequest
Adjournment
14210/28/2026 10:00 am26-18161 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/20/2026 (at):

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

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor must provide proof of auto insurance for the 2005 Ford. (NOT RECEIVED)

RESOLVED ISSUES:
- The schedules fail to account for the debtor's tax refund in the amount of $499 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
- There is $32,105 in on exempt equity in the residence. (LANGUAGE ADDED)
- There is $4,825 in non exempt equity in the 2005 Ford F150. (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $2,900 x 60 beginning 8/1/2026, 100% plan
Payments: 3/3
Email InquiryMatter ResolvedRequest
Adjournment
14310/28/2026 10:00 am26-18361 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 10/19/2026 (JMA)

1) 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 prepetition 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.
2) Freedom Mortgage Corporation (Brock & Scott) - objection to confirmation - NEED TO RESOLVE
- 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.
3) New Jersey Turnpike Authority (McManimon, Scotland and Baumann)
-NJTA was not included in the creditor matrix filed with the petition on July 23, 2026.
- On August 11, 2026, NJTA filed a proof of claim against the Debtor in the amount of $5,767.64 for tolls and fees resulting from New Jersey E-ZPass claim 6.
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 - PER PAYSTUB DEBTOR PAYS DSO $222/WEEKLY
- Need a statement (June/July) for the credit union account. $350 per paycheck goes into that account. NOT PROVIDED TO DATE
- Amendments to Schedules I to list worker's compensation income. AMENDED SCHEDULE INCLUDES
- 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 confirm
Email InquiryMatter ResolvedRequest
Adjournment
14410/28/2026 10:00 am26-18368 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
ISSUES AS OF 10/20/2026 (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): RESOLVED, PROVIDED- Proof of social security income
for the debtor's sister that lives with her.
- Must provide values for all three vehicles listed on Schedule B and supplemental income for the month of August with deductions. NOT PROVIDED TO DATE
- 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 disposable income and 22c has disposable income. Plan must remain a 100% plan.

proposed plan $2,300x60 100% plan
paid in $4,600
arrears $2,300
last claim 17-1
Email InquiryMatter ResolvedRequest
Adjournment
14510/28/2026 10:00 am26-18441 / CMGPRO SEConfirmation Hearing ScheduledPlan DeniedDebtor has made 0 of 3 required payments   Arrears: $1,787.00
MK: i did 341 - payment coming- MP for 11/18- THIS PLAN IS DENIED



As of 10/19/26 (DS): 341 sched 10/22/26, no Trustee payments made, Debtor in arrears $1,787.49, made 0 out of 3 payments.

Another mod plan filed 10/19/26, did not mark notice required, filed as support as doc#49, but only files pages 1 & 2, missing all other pages and signature pages. Not sure what debtor is doing. Needs to stop filing mod plan, keep receiving new confirmation adjournment dates.

Mod plan filed with no explanation on Part 9, sched 11/18/26. Plan is proposing cram of leased vehicle (creditor objection), estimated IRS tax claim needs to be resolved (2022-2025 not filed). FIG property tax claim filed for more.
Email InquiryMatter ResolvedRequest
Adjournment
14610/28/2026 10:00 am26-18732 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 10/19/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Need statements for the spouse's (3) retirement loans. (401k loan, 457 loan and Nycers loan)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $3,922/month for rent; $5,900/month for spouse's debt services; Need proof of expenses 10 days prior to confirmation. all expenses are allowed as long as case remains 100%.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): - Verified income leaves monthly disposable income of $13,633.45.
- Student loans will be paid outside of the plan.
- Non-exempt proceeds from class action lawsuit are to be turned over to the trustee.
- The social security number on the petition is incorrect and does not match the number on the actual social security card. This must be corrected with the court.

proposed plan $1,600x60 100% plan
paid in $3,200
last claim 15-1
Email InquiryMatter ResolvedRequest
Adjournment
14710/28/2026 10:00 am26-18761 / CMGAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $340.00
AS OF 10/23/2026 (at): Per AR work up with ewage. He will adjourn to see if debtor sign ups. If she does the case can be confirmed at the next hearing date.


RECOMMEND: $480 PAID TO DATE, $412 x 58 BEGINNING 11/1/2026, BASE
- Debtor must sign up for e-wage within 7 days of confirmation.
- Claims will be paid according to the trustee's order of distribution.
- Debtor must provide proof that the Trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must provide for vesting at confirmation.


1. The order of distribution departs from the trustee's order of distribution.
- Debtor must provide proof that the Trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must provide for vesting at confirmation.

2. Trustee's objection:
- The debtor has insufficient income. (E-WAGE LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)

Modified plan before confirmation proposes: $340 x 59, base
Payments: 1/2, arrears $340
Email InquiryMatter ResolvedRequest
Adjournment
14810/28/2026 10:00 am26-18883 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/23/26(SF) PLAN IS NOT FEASIBLE DUE TO HIGHER CLAIMS


1. Objection filed by Select Portfolio/Bank of NY Mellon (Wohlrab) - failure to provide for arrears of $53,386

2. IRS filed priority claim 1-2 which is not addressed in plan (OK TO PAY?)

3. Miller Street Investors LLC filed secured judgment claim 14-1 in the amount of $41,503.77 which is is not addressed in plan (MUST RESOLVE)

4. Disposable income is negative $1099

5. Trustee objection:

- There is $81,201.29 non-exempt equity in the house. (NONEXEMPT EQUITY IS NOW $35,934 DUE TO HIGHER CLAIMS (100% PLAN)

- Add to confirming order all non-exempt proceeds to the Trustee from the co-debtor's slip & fall claim

Plan proposes $855 x 60 100% Plan
Payments: 2/2


RESOLVED:

- Both debtors need to provide the 2026 statement for social security. The statements provided are out of date. (RECEIVED)
- Need a copy of the homeowner's insurance renewal declaration - policy will expire 11/19/2026 (RECEIVED)

Email InquiryMatter ResolvedRequest
Adjournment
14910/28/2026 10:00 am26-18890 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/23/2026 (at):

RECOMMEND: $2,082 PAID TO DATE, $1,181 x 58 BEGINNING 11/1/2026, BASE
- Preserve non exempt equity of $36,403 in real estate

1. Objection filed by New Rez (Hill Wallack) - failure to cure arrears of $1,481.73 (Per claim). Plan lists creditor as unaffected. (RESOLVED - PAY PER CLAIM)

2. Objection filed by PNC Bank (Martone & Uhlmann) - PNC Bank holds two mortgages on the property. Plan proposes to pay one in full but does not mention the other mortgage. (RESOLVED - PAY CLAIM)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Amendments to Schedules B and C to add Life insurance value, listed on Sched J expense. (AMENDED - TERM POLICY - NO VALUE)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information Support payments listed on Sched J. (RECEIVED DSO INFORMATION)
- PNC Bank statements from acct#3607 from 6/5/26-8/5/26 shown on PNC Bank acct#3949 (RECEIVED)
- support order/proof of support payments $1,200. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Life insurance $469, Student loans $940 and Support payments $1,200. Must provide proof of expenses 10 days prior to confirmation. (RECEIVED - LIFE INSURANCE IS ONLY $352/MONTH - EXPENSES ADJUSTED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $173 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 non-exempt equity in the residence $36,403. (LANGUAGE ADDED)
- Must provide property settlement agreement and Life insurance policy value prior to filing date. (RECEIVED)
- IRS filed an estimated claim (NO LONGER ESTIMATED)

Plan proposes: $1,041 x 60 beginning 9/1/2026, $30,000 to u
Email InquiryMatter ResolvedRequest
Adjournment
15010/28/2026 10:00 am26-19058 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/23/2026 (at):

1. Objection filed by Citizens Bank (McCabe Weisberg) - failure to cure arrears of $2,383.24 (Per claim). Plan proposes to pay $0. (UNRESOLVED)

2. 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 homeowner's insurance renewal declaration - if not confirmed by 10/28/26. expires 11/6/26. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor must provide updated proof of auto insurance for the 2025 Buick. The policy provided expires on 11/15/26. (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 $39,337, 2025 Buick $737 and PedFed acct $1,020. (LANGUAGE ADDED)
- Income contribution affidavit (RECEIVED)
- Must resolve Citizens Bank obj, arrears claim filed for $2,383.24. (LISTED ABOVE)
- Must resolve State of NJ estimated tax claim, 2024 not filed. (STILL ESTIMATED)
- 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 and 2026 Tax return no later than 4/30/27. (LANGUAGE ADDED)
- Must provide signed income affidavits of contribution from roommates. (RECEIVED)


Plan proposes: $1,000 x 60 beginning 9/1/2026, $47,700 to unsecured creditors
Payments: 1/2, arrears $1,000
Email InquiryMatter ResolvedRequest
Adjournment
15110/28/2026 10:00 am26-19063 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 3 of 2 required payments   Arrears: $0
UPDATED 10/26/2026 (jma)
issues as of 10/15/2026 (JMA)

1) 341 not held, not rescheduled - NEED ADJOURNMENT OF CONFIRMATION HEARING TO ALLOW 341 TO BE HELD.
Email InquiryMatter ResolvedRequest
Adjournment
15210/28/2026 10:00 am26-19129 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 10/19/2026 (JMA)

1) Affinity Federal Credit Union (Saldutti Law Group) objection to confirmation - NEED TO RESOLVE
- Creditor obtained a judgment against Isaac Inyand and Royal Eagle Project Management & Financial Services Corp, jointly and severally, in the amount of $24,507 for a defaulted business loan.
- On September 9, 2026, Affinity filed a secured proof of claim for the 0663 Judgment in the amount of $27,954.27
- Also on September 9, 2026, Affinity filed claims for the Consumer Judgments totaling $30,757.51. Claims 2 and 5 on the Claims Register, which claims were initially filed as secured but amended on October 7, 2026 to unsecured.
- If the Average Online Value is accepted, then the total equity in the Property after deduction of the Mortgage is $307,240.33, of which Debtor's half interest is $153,620.17, leaving $122,045.17 in non-exempt equity to which Affinity's judgment liens may attach.
- If the Equalized Value is accepted, then the total equity in the Property after deduction of the Mortgage is $202,325.44, of which Debtor's half interest is $101,162.72, leaving $69,587.72 in non-exempt equity to which Affinity's judgment liens may attach.
- Movant anticipates filing a Proof of Claim on, or before, November 1, 2026, with estimated arrears totaling $15,188.13.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis with comps similar to Debtor's property, Debtor purchased home 2007 for $706k. Zillow values $968k.
- A copy of the last filed tax return from spouse for 2025.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $500 (verifies $223) and Car payment $510 (Not mentioned in Plan or Schedule D).
- The current Plan does not specify treatment of the four judgment secured claims fi
Email InquiryMatter ResolvedRequest
Adjournment
15310/28/2026 10:00 am26-19136 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $801.00
As of 10/26/26 (DS): Ok to confirm at $801 paid, $815 x 58 begin 11/1/26; Base with a min. div. $349 due to non-exempt equity
- Section 4c is to be stricken American First Finance filed claim as unsecured and is to be paid as unsecured pro rata.
- Student loans to be treated outside.
- Plus non-exempt proceeds from PI Lawsuit to Trustee.
Atty ok with terms

1. Debtor skipped Sept and only made Oct payment, arrears $801.

2. Trustee obj to the following:
- Excessive expense for mortgage $1,700 (per mortgage claim filed is $1,574.
- Updated disposable income verifies $1,314.
- There is non-exempt equity in the residence $349.
- Add to confirming order non-exempt proceeds from PI lawsuit to Trustee.

3. American First Finance filed claim as unsecured and is not a secured lien on the 2015 Nissan and will be paid pro rata as unsecured creditors and Section 4c will be stricken.

Prop Plan $801 x 60 begin 9/1/26; Base
Note: POI provided for Aug & Sept 10/26/26.
Email InquiryMatter ResolvedRequest
Adjournment
15410/28/2026 10:00 am26-19210 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
updated 10/26/2026 (JMA)

OK TO CONFIRM AT $1,085X60 BEGIN 9/1/2026 100% PLAN WHICH INCLUDES NON-EXEMPT EQUITY OF $118,575.

as of 10/19/026 (JMA)

1) Weichert Financial Services (Brock & Scott) objection to confirmation - RESOLVED, CONSENT ORDER
- The Debtor agrees that they shall cure the full amount of Creditor's valid secured Proof of Claim (#2) which lists pre-petition arrears in the amount of $837.17.
2) Trustee objection to confirmation - NEED TO RESOLVE
- 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 $118,575 in non-exempt equity in the residence. RESOLVED, 100% PLAN

proposed plan $1,085x60 100%
paid in $2,170
last claim 11-1
Email InquiryMatter ResolvedRequest
Adjournment
15510/28/2026 10:00 am26-19246 / CMGLawrence W. Luttrell, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 2 required payments   Arrears: $1.00
AS OF 10/26/26 (SF) UPDATED - 109(e) issue. Unsecured claims exceed limit.
REC DISMISSAL

1. Objection filed by US Bank (Caine) - failure to pay arrears of $33,156.03

2. Objection filed by Newrez/Shellpoint Mortgage (Stewart) - failure to pay arrears of $51,881

3. The Bank of NY Mellon filed arrears claim 3-1 in the amount of $51,881 which is not addressed in plan (OK TO PAY?)

4. State of NJ filed estimated priority and unsecured claim 6-1 (NEED AMENDED CLAIM)

5. State of NJ filed secured claim 6-1 in the amount of $13,121.86 which is not addressed in plan (OK TO PAY?)

6. Julie Ames-Knecht filed priority (DSO) claim in the amount of $133,300 which is not addressed in the plan

7. Motion to Redact scheduled for 10/28 at 9 (no opposition)

8. Trustee objection:

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

- Domestic Support Obligation information for Julie Knecht. (MUST PROVIDE DSO INFORMATION SHEET)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,000/month for food for one
$1,800/month for taxes
$1,000/month for alimony (need order)
Need proof of excessive expenses 10 days prior to confirmation.

- The debtor has failed to provide proof of service with respect to Plan Motion(s). The Huntington National Bank - 2021 Jeep

- add to terms vesting is at confirmation



Plan proposes $1027.76 x 60 Base Plan
Payments: 2/2

RESOLVED:
- The debtor must provide updated proof of auto insurance for the 2021 Jeep. The policy provided has expired. (RECEIVED)

Email InquiryMatter ResolvedRequest
Adjournment
15610/28/2026 10:00 am26-19258 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $1,212.00
AS OF 10/23/2026 (at):

RECOMMEND: $1,212 X 60 BEGINNING 9/1/2026, 100% PLAN
- Preserve non exempt equity of $99,074 in real estate.
- Preserve non exempt equity of $3,619 in personal property.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification .
--There is $99,074.19 non-exempt equity in house
-There is $120 non-exempt equity in 2007 Chrysler
-There is $3,174 non-exempt equity in Doll Biz LLC
-There is $325 non-exempt equity in Doll Biz LLC
TOTAL NON-EXEMPT EQUITY $102,693.19

Plan proposes: $1,212 x 60 beginning 9/1/2026, 100% plan
Payments: 1/2, arrears $1,212
Email InquiryMatter ResolvedRequest
Adjournment
15710/28/2026 10:00 am26-19340 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
updated as of 10/27/2026 (JMA)

ok to confirm at $550 paid to date, $275x34 begin 11/1/2026

issues as of 10/19/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. negative $-462.36
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED

proposed plan $275x36 base plan
paid in $550
last claim 9-1
Email InquiryMatter ResolvedRequest
Adjournment
15810/28/2026 10:00 am26-19396 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $106.00
As of 10/26/26 (DS): Debtor atty requested adj to allow time to pass bar date 10/28/26

As of 10/22/26 (DS): 1. Trustee obj to the following:
- Must provide non-filing spouse 2025 tax return.
- Need a tier plan when car payment $386 ends in month 12.
- Disposable income verifies $11,237. 22C also has disposable income $8,508, plan propose 100%.
- There is non-exempt equity in 2014 Chevy $985, Remington $700, Shotgun $500 and Credit Union of NJ savings acct $2,264 total $4,449.
- Credit Acceptance filed arrears claim for $2,301.85. Trustee ok to pay?

2. US Bank (CORY WOERNER) obj arrears owed are more, no POC filed. Must resolve obj.

3. Jefferson Capital filed secure claim for 2004 GMC auto loan taken out 2020 and was a 5 yr loan, should have been paid off, claim has no arrears owed, but last payment made on loan was 10/5/22. Sched B list 2004 GMC, but does not list any secured creditor or expense on Sched J. Must resolve claim.

Prop Plan $2,453 x 60 begin 9/1/26; 100%
Note: State of NJ estimated claim amended, no longer estimated. All excessive expenses allowed, so long as plan remains 100%, Trustee reserves the right to object if the plan dividend is reduced in a mod plan.
Email InquiryMatter ResolvedRequest
Adjournment
15910/28/2026 10:00 am26-19410 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 10/26/26 (DS): Debtor atty requested adj to allow time to resolve obj

As of 10/26/26 (DS): 1. Trustee obj to the following:
- Plan fails to propose the non-exempt equity in the residence of $176,449. RECOMMEND WAITING PASS BAR DATE 10/29/26 TOTAL GUCS FILED $80,105.87, SCHED F HAS $106,792.95.
- Recalculated Debtor income, which now verifies $3,024, no longer insufficient, unless need more income to fund plan, such as having to pay $106,792.95 total gucs, would require $3,352 x 58.
- Add to confirming order non-exempt proceeds from Debtor's lawsuit to Trustee.
- Must file Pre-confirmation certification.

2. IRS claim filed as unsecured will be paid with all unsecured creditors. Recommend striking and paying 100% unsecured with all others, unless the base changes.

Prop Plan $3,000 x 60 begin 9/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
16010/28/2026 10:00 am26-19451 / CMGFrances A. Tomes, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/23/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
16110/28/2026 10:00 am26-19454 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 10/16/2026 (JMA)

1) Modified plan filed and scheduled for 11/18/2026.

proposed plan $350x12, $1,175x48 base plan
paid in $700
last claim 20-21
Email InquiryMatter ResolvedRequest
Adjournment
16210/28/2026 10:00 am26-19489 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $715.00
As of 10/26/26 (DS): Debtor atty requested adj 341 sched 11/12/26

Updated homeowner insurance provided with personal liability coverage 10/23/26
Email InquiryMatter ResolvedRequest
Adjournment
16310/28/2026 10:00 am26-19498 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/20/26 (SF)

RECOMMEND $300 X 2 (BEGIN 9/1/26); $375 X 34 (BEGIN 11/1/26) BASE PLAN



Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,580 when determining disposable income.


Plan proposes $300 x 36 Base
Payments: 2/2


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor must provide updated proof of auto insurance for the 2025 Nissan. The policy provided has expired. (RECEIVED)
- Bank statements from American Heritage FCU from 6/21/26-8/21/26. (RECEIVED)

Email InquiryMatter ResolvedRequest
Adjournment
16410/28/2026 10:00 am26-19511 / CMGRodney J. Alberto, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $500.00
AS OF 10/23/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
16510/28/2026 10:00 am26-19585 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $362.00
AS OF 10/23/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: less than 1/2, arrears $362
Email InquiryMatter ResolvedRequest
Adjournment
16610/28/2026 10:00 am26-19625 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
UPDATED 10/27/2026 (JMA) THERE ARE 3 CLAIMS NOT FILED TO DATE, BAR DATE IS 11/3/2026
issues as of 10/16/2026 (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): Proof of 2 month's income for August and Sept 2026. RESOLVED, STATEMENTS PROVIDED
- A copy of the homeowner's insurance renewal declaration, policy expired 10/14/2026. RESOLVED, POLICY EFFECTIVE TO 10/14/2027
- Need a statement for the 457 Rail Loan. RESOLVED, PROVIDED STATEMENT DATED 8/24/2026, STATEMENT BALANCE $20,015
- The debtor(s) plan consists of unnecessary or excessive expense items, such as 2nd and 3rd mortgage payments total $995.22, not $1,065.
- 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 $2,053.47.
- 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 $3,158 in non-exempt equity in the residence.
- There is $532 in non-exempt equity in the bank accounts.

proposed plan $218x60 minimum $8,000 to gucs
paid in $436
last claim 2-1
Email InquiryMatter ResolvedRequest
Adjournment
16710/28/2026 10:00 am26-19639 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $2,282.00
per atty made payment


As of 10/21/26 (DS)


: 1. Debtor in arrears $2,282, made 0 out of 2 payments.

2. Trustee obj to the following:
- Need recorded Deed.
- There is non-exempt equity in the residence $69,580.

3. The plan is proposing to pay Black Rock Home in full with 18% total $57,897. Trustee only pays claim in full total $35,047.87, if paying anything more will need consent order.

4. FIG 20 LLC filed claim $14,393.82 needs to be paid, not in plan. Trustee ok to pay?

Prop Plan $1,141 x 60 begin 9/1/26; 100%
Note: E-Trade statements provided.
Email InquiryMatter ResolvedRequest
Adjournment
16810/28/2026 10:00 am26-19688 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/15/26 (DS): 341 sched 11/12/26, need auto insurance with car details, only has dates, but no info on vehicles, will not adjourn confirmation without this info and no Trustee payments made, Debtors in arrears $1,574. Must also make Trustee payments, made 0 out of 2 payments.
AR $787 POST 10-23
Email InquiryMatter ResolvedRequest
Adjournment
16910/28/2026 10:00 am26-19695 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $1,742.00
AS OF 10/23/2026 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by Bank of New York Mellon (Frenkel Lambert) - failure to cure full arrears of $44,383.54 (Per POC). Plan proposes to pay $36,941. (UNRESOLVED)

2. Objection filed by Global Lending (Stewart Legal) - failure to cure arrears of $2,692.10. (Per claim) Plan proposes to pay $0. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following (documents)
- Proof of 2 month's income - from daughter contributing $1,650. (NOT RECEIVED)
- Balance statement of Advance loan deduction of $200 prior to filing date (NOT RECEIVED)
- Bank of America statement from 7/14/2026 - 8/26/2026 (NOT RECEIVED)
- The debtor's plan consists of unnecessary or excessive expense items, such as home maintenance $350 and excessive car payments for 2 cars $650 and $490. Plan propose 100%. (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):
- 22C has disposable income.
- Arrears claim filed by Ally for $198.05 needs to be paid or move against the claim. (100% PLAN)
- Must resolve creditor objection. (LISTED ABOVE)

Plan proposes: $871 x 60 beginning 9/1/2026, 100% plan
Payments: 0/2, $1,742
Email InquiryMatter ResolvedRequest
Adjournment
17010/28/2026 10:00 am26-19747 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 10/16/2026 (JMA)

1) 341 not held, not rescheduled
Email InquiryMatter ResolvedRequest
Adjournment
17110/28/2026 10:00 am26-19754 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $750.00
As of 10/21/26 (DS): 1. Trustee obj there is non-exempt equity in the residence $66,506. RECOMMEND WAITING PASS BAR DATE 11/5/26 TOTAL GUCS FILED $51,936.52, OVER AMOUNT ON SCHED F $35,940.

2. Attorney disclosure has fees owed $4,000, but plan has $3,900 owed, which do not agree. Per Statement of Financial Affairs attorney paid $750, so plan should have $4,000 remainder balance to be paid. Need mod plan to correct attorney fees to be paid through plan.

Prop Plan $1,000 x 60 begin 9/1/26; 100%
Note: Updated homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
17210/28/2026 10:00 am26-19758 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 10/26/26 (DS): Debtor atty requested adj to pass bar date 11/5/26, cannot adjourn to 11/18/26 that calendar is marked avoid

As of 10/21/26 (DS): Need to confirm at $861 x 2 begin 9/1/26, $1,564 x 15 begin 11/1/26, $1,596 x 19 begin 2/1/28; Base and Trustee to treat claim#1-1 of US Dept of HUD outside, no arrears owed

1. Trustee obj to the following:
- Disposable income verifies $1,705 deducting the $200 contribution from 2 adult children and excessive expense allowing $200.
- Excessive expense for Water/sewer/garbage $284.
- Need a tier plan when 403 loan $90 ends in month 15.

2. US Dept of HUD filed claim, no arrears owed. Claim to be treated outside.

Prop Plan $861 x 36 begin 9/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
17310/28/2026 10:00 am26-19766 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/23/2026 (at):

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

1. 341 is scheduled for 11/19/2026 (READY).
2. Payments: 2/2

Email InquiryMatter ResolvedRequest
Adjournment
17410/28/2026 10:00 am26-19814 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
updated 10/27/2026 (JMA)
issues as of 10/16/2026 (JMA)

1) Ally Capital (Stewart Legal Group) objection to confirmation - NEED TO RESOLVE
- Creditor asserts the replacement value of the Vehicle is higher than stated in the Plan, specifically $11,038.
- Accordingly, the Plan should be modified to reflect a secured claim in the amount of $5,992.74 to be paid at the Till rate of 8/75% over the life of the plan.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Disposable income verifies -$680, until proof of income is provided.
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income that is recent from Arrow and Precision, no proof provided from Arrow and only 2 stubs provided for Precision 7/31/26 $88.39 and 9/3/26 $186.08.- Wells Fargo statements from accts#7461 for 8/1/26-8/28/26, acct#4432 from 7/24/26-8/28/26, acct#8275, acct#4600, #6221 & #5729 from 8/1/26-8/28/26.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C.  1325(a)(3). Plan fails to propose the non-exempt equity.
- 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 $202,550 and possibly in the bank accounts pending
updated bank statements
- Must resolve Ally Capital objection to cram.
- State of NJ filed estimated tax claim, 2022 not filed.

proposed plan $2,225x60 base plan
paid in $4,450
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
17510/28/2026 10:00 am26-19857 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 10/15/26 (DS): 341 will not be held 10/22/26, missing docs all docs

2/2.
Email InquiryMatter ResolvedRequest
Adjournment
17610/28/2026 10:00 am26-19961 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
As of 10/26/26 (DS): Debtor atty requested adj to allow time to resolve all issues

As of 10/22/26 (DS): 1. Trustee obj to the following:
- REC DENIAL NEED TO PICK SALE OR REFI NOT BOTH
- Must provide 2025 Tax return and valuations on 2015 Ford F150, claim has value at $16,600, Sched B has $9,800.
- There is estimated to be non-exempt equity in the residence $13,939 used the claim filed in the 2025 case and Cash $59,628.
- Add to confirming order fee app within 7 days from confirming order.
- Add to confirming order non-exempt proceeds from sale of residence to Trustee.
- Santander filed arrears claim for $160.
- Must file Pre-confirmation certification.

2. Cenlar (WILLIAM E POWERS) obj that there will be no cure unless or until a sale or refinance of Debtor's residence is achieved and plan only propose $105,000 arrears and that plan is speculative as to sale as docket has no filings of realtor and refinance as no commitment letter provided. Must resolve obj.

Prop Plan $2,000 x 60 begin 10/1/26; Base and Sale/Refinance of Mayberry Ave by 3/31/27
Email InquiryMatter ResolvedRequest
Adjournment
17710/28/2026 10:00 am26-20018 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
mk PAYMENT POSTED. There is a POA for debtor notarized or witnessed and powers are not initialed as doc requires. Will need a motion to approve POA

5 PRIOR FILINGS W/ DIFFERENT ATTY SINCE 2022 AND 1 IN 2018 ALL DISMISSED



AS OF 10/23/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/1, arrears $1,630

Plan:1630 x 60 Base
cure Mtg arrears 97,786
income soc sec and pension
Email InquiryMatter ResolvedRequest
Adjournment
17810/28/2026 10:00 am26-20097 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 0 of 1 required payments   Arrears: $1,251.00
issues as of 10/15/2026 (JMA)

1) 341 rescheduled for 11/12/2026 - need to adjourn confirmation hearing to allow 341 to be held
2) Provided proof of TFS payments for October and November.
Email InquiryMatter ResolvedRequest
Adjournment
17910/28/2026 10:00 am26-20098 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 1 required payments   Arrears: $0
As of 10/21/26 (DS): Ok to confirm at $295 x 36 begin 10/1/26; Base

Prop Plan $295 x 36 begin 10/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
18010/28/2026 10:00 am26-20120 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledContinued
12/9/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
As of 10/26/26 (DS): Debtor atty requested adj 341 sched 11/19/26
Email InquiryMatter ResolvedRequest
Adjournment
18110/28/2026 10:00 am26-20121 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 1 required payments   Arrears: $500.00
AS OF 10/19/2026 (at):

RECOMMEND: $1,000 X 60 BEGINNING 10/1/2026, BASE
- Student loans will be paid outside of the plan.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor must provide proof of auto insurance for the 2025 Kia. (RECEIVED)

Plan proposes: $1,000 x 60 beginning 10/1/2026, base
Payments: .5/1, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
18210/28/2026 10:00 am26-20126 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
issues as of 10/19/2026 (JMA)

1) 341 scheduled for 10/29/2026 - need to adjourn confirmation hearing to allow 341 to be held


proposed plan $750x60 base plan
paid in $750
last claim 29-1


Email InquiryMatter ResolvedRequest
Adjournment
18310/28/2026 12:00 pm22-19436 / CMGRobert Cameron Legg, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
18410/28/2026 12:00 pm24-13206 / CMGRobert Cameron Legg, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
18510/28/2026 12:00 pm25-13866 / CMGMarc C. Capone, Esq.Motion CompensationGranted(amt: no order entered on 8/5 otbs MFR #38)- mk emailed attys for orderon 10/27/26
Email InquiryMatter ResolvedRequest
Adjournment
18610/28/2026 12:00 pm25-20738 / CMGEdward Hanratty, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
18710/28/2026 12:00 pm25-22746 / CMGMelinda D. Middlebrooks, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
18810/28/2026 12:00 pm26-10525 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
18910/28/2026 12:00 pm26-13384 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
19010/28/2026 12:00 pm26-14160 / CMGAllen I. Gorski, Esq.Motion CompensationHold for Judge(AMT: ATTY NEEDS TO ADDRESS ISSUE RE #6-1/EMAIL ATTACHED)<>

amended disclosure filed removed the 2,000
atty rec'd fees from debtor at some time this case was filed and applied them to the prior case


TR OBJECTION MK: fee application fails to list the 2,000 retainer rec'd by atty outside the plan

the fees requested thru the plan need to be reduced by 2,000-amended disclosure filed
------------------ISSUES- NEED JUDGE-------------
Did atty waive fees in prior case as if not its a conflict he is a creditor of own client- if he was owed money in old case then he can't represent the client in a new case

Filed a disclosure for 2,000 rec'd as retainer then when questioned on this fee app said it was a mistake and filed amended disclosure -0 - up front the fees paid to atty

According to SOFA part 7 atty rec'd 500 on 4/10/26 and 800 on 4/14/26 and noted they were applied to the old case at 24-22042 and then new case was filed 4/15/26 and later ameneded disclosure for -0- upfront
Email InquiryMatter ResolvedRequest
Adjournment
19110/28/2026 12:00 pm26-16342 / CMGJamal J Romero Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
19210/28/2026 12:00 pm26-16914 / CMGCarlos D. Martinez, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
19310/28/2026 12:00 pm26-17033 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Email InquiryMatter ResolvedRequest
Adjournment
19410/28/2026 12:00 pm26-17516 / CMGMarc C. Capone, Esq.Motion CompensationRevised Order Submitted9/26/26(mk): revised order submitted- now okay


TR Funds on hand only 787.10

Needs a revised order that sates 787.10 through the plan and balance of fees outside plan
Email InquiryMatter ResolvedRequest
Adjournment
19510/28/2026 12:00 pm26-21006 / CMGRobert Cameron Legg, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST<<


CASE REASSIGNED TO CMG
AR NOTE JUDGE CONFLICT NEEDS TO BE REASSIGNED
AR NOTE
PRIOR CASE WAS CURE PLAN , NOW PROPOSE LOAN MOD PER LENDER HABITAT DOES NOT OFFER AND IF AVAIL NOT FEASIBLE
MTN TO EXTEND STAY
Email InquiryMatter ResolvedRequest
Adjournment
19610/28/2026 2:30 pm25-22377 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 8 of 11 required payments   Arrears: $15,490.00
JUDGE TO HEAR ARGUMENTS AS TO FEASIBILITY AT NOON AND IF SATISFIED WILL THEN HOLD THE EVIDENCE HEARING ON VALUE OF REAL PROPERTY AT 2:30


As of 10 /25/26(mk) UPDATED

CASE IS 11 MOS OLD

>ARREARS 15.490- Last pay June

8/11 payments arrears 15,490 LASTPAY WAS JUNE 2026 and there is STAY VACATE ON REAL PROPERTY( mk apparently per Cory W debtor has caught up on 1st mtg so stay will be reinstate but no order to do that and still TR arrears

evidence hearing 10/28/26 at 2:30pm on home value


>8/14/26: Creditor cert of default filed US BANK (RAS)

8/26/26: 3:00PM for conf and evidence hearing- mk send email to atty of date


8/12/269mk) : same as below- need result of evidence hearing


AS of 7/8/26(mk):

>>CASE IS NOT FEASIBLE- DEBTOR DOES NOT HAVE THE INCOME TO COVER THE PREPETION ARREARS CLAIM ON THE FIRST MORTGAGE TOGETHER W/ TR COMMISSION AND THERE WIL BE SUPPL ATTY FEES AND THIS IS ASSUMING HIS VALUATION WINS
- AND ONLY UNDER DEBTOR'S RECENT APPRAISA(950,000) IS THER NO EQUITY TO PAY 2ND MTG. EVERY OTHER SENERIO- ZILLOW(1,474,200) AND CREDIOTRS APPRAISAL (1,220,000) THERE IS EQUITY TO PREVENT STRIP OFF OF 2ND MTG

NEED UPDATE FROM DEBTOR'S ATTY- NEED CERT OF WHERE DEBTOR GOT $ TO PAY POST PET MTG PAYMENTS AND DO WE NEED TO SHDEUDLE A VALUATION HEARING FOR REAL PROPERTY


mk MFR resolved w/ Order - account current- make regular moly my payment of $5,156.93 beginning 6/1/26- Was this made?
>>MFR( Selene-Cory W) on 4/22- over 25,000 in arrears- OTBS- need terms = brought it current- Where did $ come form - atty says Mom paid it - Cert needed- NOT-NOT PROVIDED

once we know timing of parties for hearing on value- email Brian H to respond to income issue

case is 8 mos old as of July - 5th confirmation date

debtor appraisal:950,000- creditor response to appraisal by 5/29
creditor appraisal will be filed on docket but it's for $1,220,000

AMT: INTERIM SCH ORDER TO CHAMBERS/7 DAY<>
debtor going to get his own appraisal to combat Lubin's client . SCHEDULI
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes