ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Mark Edward Hall

Hearing Date: 11/12/2025
Last Updated: 10/17/2025 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 2:00 am23-17930 / MEHMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 2:00 am25-12468 / MEHAndy Winchell, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
311/12/2025 9:00 am19-27689 / MEHCarol L. Knowlton, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> PHH/Cortland dr ( McCalla)
Email InquiryMatter ResolvedRequest
Adjournment
411/12/2025 9:00 am19-27689 / MEHCarol L. Knowlton, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
711/12/2025 9:00 am20-22492 / MEHEdward Hanratty, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> CARRINGTON MTG (Friedman Vartolo)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am21-16241 / MEHCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am21-19016 / MEHThomas G. Egner, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> JP MORGAN/Lake Ave (Powers)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am22-10915 / MEHWarren D. Levy, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledPP FINC - Refi to end conduit payment - new Reverse mtg
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am22-12439 / MEHMarc C. Capone, Esq.Motion Relief from Stay (Fee)3rd Party MatterGITSIT SOLUTIONS (BERNSTEIN-BURKLEY)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am22-13109 / MEHCandyce I. Smith-Sklar, Esq.Motion for Relief from StayNeeds Resolution of Issues - ObjectionsRE-LISTED 3/5/25 WAS OTBS<>

Debtor obj<> US BANK TRUST/Carraige Ct (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am23-11659 / MEHLaurence R. Sheller, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am23-11826 / MEHPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am23-17404 / MEHRobert Cameron Legg, Esq.Motion SellNeeds Resolution of Issues - Objections40 MOBILE LN

Trustee OBJ:
- select Paragraph #8 if paying case off early.
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am23-17981 / MEHDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition FiledFORD MOTOR CREDIT (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am23-20608 / MEHCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: LOSS MIT EXT 10/30<>

Debtor obj<>FAILED TO LM BY 9/1/25
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-10362 / MEHHerbert B. Raymond, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-12780 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO SELL CHESAPEAKE CT PPTY BY 9/30/25; NO REALTOR OR MTN TO SELL FILED TO DATE; NEEDS TO ADDRESS CROSSWINDS LATE FILED CLM #9-1
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-13907 / MEHYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSANTANDER BANK (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
5011/12/2025 9:00 am24-13924 / MEHCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAM: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>SELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-16846 / MEHRobert Manchel, Esq.Motion Relief from Stay (Fee)No Opposition FiledUS BANK TRUST NAT'L ASSOC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
5911/12/2025 9:00 am24-17728 / MEHRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>SELECT PORTFOLIO (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
6411/12/2025 9:00 am24-18838 / MEHRichard F. Fried, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupADJ to 11/12 - debtor had death in the family (dm)

ADJ to 10/22 to be current or dismiss per debtor's counsel (dm)

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-18857 / MEHJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-19685 / MEHJonathan Goldsmith Cohen Motion Relief from Stay (Fee)3rd Party MatterDebtor obj<>PNC BANK (FEIN SUCH)
Email InquiryMatter ResolvedRequest
Adjournment
6411/12/2025 9:00 am24-20562 / MEHRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor has applied for ERMA

amt; TR CONDUIT REQUEST<>

Debtor obj<>NEW JERSEY HOUSING AND MTG (PLUSES)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-20801 / MEHJohn Michael McDonnell, Esq.Motion for Relief from StayNeeds Resolution of Issues - ObjectionsRE-LISTED 4/16/25 MFR WAS OTBS<<>>

Debtor obj<> LEACY MTG ASSET/Silzer St (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
7211/12/2025 9:00 am24-21320 / MEHEdward Nathan Vaisman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledMP >>>

PLAN WAS DENIED ON 5/7/25 AND FAILED TO FILE A MODIFIED PLAN IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-21398 / MEHAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO LM BY 9/10/25;
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am24-22257 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-10011 / MEHAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)WithdrawnBANK OF AMERICA (FRENKEL LAMBERT)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-10051 / MEHRobert Cameron Legg, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterAMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>CARRINGTON MTG (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-10933 / MEHJonathan Goldsmith Cohen, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledUS BANK TRUST NAT'L ASSOC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-11096 / MEHValerie Palma DeLuisi, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledJPMORGAN CHASE BANK (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
8411/12/2025 9:00 am25-11607 / MEHRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor has applied for ERMA

Debtor obj<>NEW JERSEY HOUSING AND MTG (PLUESE)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-12238 / MEHGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO LM BY 8/10/25
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-12660 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-13392 / MEHPaul H. Young, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-13673 / MEHMaryBeth Schroeder, Esq.Motion Relief from Stay (Fee)No Opposition FiledACAR LEASING (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-14065 / MEHDavid A. Semanchik, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE CLM#20
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-14704 / MEHJoan Sirkis Warren, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterWELLS FARGO BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-14704 / MEHJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-15519 / MEHJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledUS BANK NAT'L ASSOC (STERN LAVINTHAL)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-16156 / MEHMarc C. Capone, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledUS BANK TRUST NAT'L ASSOC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-16237 / MEHJeffrey S. Nowak, Esq.Objection to Claim of ExemptionsMootMOOT - AMENDED SCH. C FILED AS DOC #24 CORRECTS THE ISSUE (dm)

TR OBJ TO AMD SCH C, DOC #16, 522(d)(1) exemption
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-16553 / SLMJonathan Stone, Esq.Motion to TransferNo Opposition FiledMTN TO TRANSFER RELATED CASE TO JKS
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-17154 / MEHYakov Rudikh, Esq.Motion Relief from Stay (Fee)No Opposition FiledUS BANK TRUST NAT'L ASSOC (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-17206 / MEHThomas G. Egner, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE FIRST INVESTORS CLM 13-1
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-17587 / MEHJames J. Cerbone, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterUS BANK TRUST NAT'L ASSOC (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-17587 / MEHJames J. Cerbone, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-17588 / MEHJames J. Cerbone, Esq.Motion File Claim After Claims Bar DateNo Opposition FiledMTN ALLOWING LATE FILED CLM AS TIMELY FILED BY METRA INDUSTRIES (SCURA WIGFIELD)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-17634 / MEHAndrew Thomas Archer, Esq.Motion SellNo Opposition Filed1097 LARSEN RD
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-18420 / MEHEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE CLM#14
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-19602 / MEHRobert Cameron Legg, Esq.Motion Impose Automatic StayNo Opposition FiledMTN IMPOSE STAY
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-20839 / MEHJohn Zimnis, Esq.Motion Extend Time3rd Party MatterMTN EXT STAY
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 9:00 am25-20852 / MEHFrancis P. Cullari, Esq.Motion Extend Time3rd Party MatterMTN EXT STAY
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am23-18866 / MEHRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 23 of 24 required payments   Arrears: $1,842.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am23-20608 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 23 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am24-19403 / MEHStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 12 of 13 required payments   Arrears: $410.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am24-21320 / MEHEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 11 of 11 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
10911/12/2025 10:00 am24-22264 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 9 of 10 required payments   Arrears: $100.00
ADJ to 11/12 per AR

9/8/25 - property has been sold and $358k is sitting in the estate account. Atty needs to send breakdown regarding how much each heir will receive. Debtor anticipates his share will be around $145k (dm).

ISSUES AS OF 9/5/2025 (DM):

 ADJ to 9/10 Peremptory for info on sale of inherited property - 2 family members are not moving out and holding out for more funds (dm)

 Email sent to Dan on 7/21/25 asking about sale proceeds from inherited property.

 Inherited property has been sold - need HUD-1 - Atty thinks funds from this sale should pay case off - ADJ to 7/30/25.

 ADJ to 5/28 by AR to address feasibility.

 4/14/25 (DS): Plan has non-exempt equity from Wells Fargo savings acct and non-exempt equity from inheritance, which is 34 S. 19th St property. Will this property be sold, and if yes, need dates. How can we make this plan feasible to pay debts?

 2/27/25 (DS): Not Acceptable, No Income, and Not Feasible.
Need to confirm at $100 paid, $1,718 x 33 begin 3/1/25; 100% with a min. div. $409,143 to GUCs due to non-exempt equity.
- Refi of S. Captain Dr by 12/1/25.
- Non-exempt proceeds from sale of S. 19th St property when sold to Trustee.

1) Trustee OBJ:
- Debtor has insufficient income.
- There is $145,712 non-exempt equity in the residence, $226,809 in the S. 19th St property, and $42,295 in the Wells Fargo savings acct for a total of $409,143.

***RESOLVED ISSUES***

A) Wells Fargo (LOGS) OBJs - $41,165.49 arrears on S. Captains Dr property (CONSENT ORDER ENTERED - PAY ARREARS.)

B) Trustee OBJ:
- Need homeowner insurance for S. 19th St property (RECEIVED.)


Prop. Plan $100 x 36, 100% Plan
- Refi on S. Captains Dr by 12/1/25.
- Non-exempt from Wells Fargo savings acct.
- Non-exempt from inheritance.
PTD 7/9 = $700
Last Claim (5-1)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-10796 / MEHStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 9 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
14611/12/2025 10:00 am25-13417 / MEHWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
ISSUES AS OF 9/23/2025 (DM):

***Proposed Order on USB Leasing objection in #1 below provides $29,012.83 to be paid by the Chapter 13 Trustee as an administrative claim within 36 months. The current Plan does not provide for this priority treatment, and no other creditors are privy to this priority treatment. Atty should file a MP on Notice to creditors to disclose this arrangement. Also, current Plan is underfunded by $13,330***

 POC (13-2) for Jeep lease amended to a GUC - lease expired - no deficiency balance stated.

 MFR filed by USB Leasing for 2021 Jeep leased vehicle, plan proposed to pay claim in full, but lease is up, matured 3/1/25, Debtors were no longer making leased payments. Sched 8/20/25. Need outcome.

1) USB Leasing - 2021 Jeep Grand Cherokee (LAURA EGERMAN) OBJs - car is a lease and debtors did not timely exercise the purchase option, Debtors cannot purchase the leased car. Claim filed as leased and secured (PROPOSED ORDER SUBMITTED 9/18/25.)

2) Plan provides $16,176.36 priority treatment to the IRS - creditor filed $24,886.60 (OKAY TO PAY HIGHER CLAIM??)

3) Plan provides $12,551.18 priority treatment to the State of NJ - creditor filed $1,833 priority and $10,388.90 secured (OKAY TO PAY PER POC??)

4) Trustee OBJ:
- Amended 22C filed Line #45 shows disposable income $1,870.55, however the amended 22C fails to add the tax claims and the crammed vehicles. After deducting the amounts, there would be disposable income $506.87, which would require $30,412 Min. Div. to GUCs.
- Updated disposable income verifies $909.

Note: Service no longer needed to Santander, obj filed by creditor. 2024 Tax return, loan balances and updated POI for Debtors provided

***RESOLVED ISSUES***

A) Santander - 2021 Volvo XC40 (WILLIAM CRAIG) OBJs to cram (CONSENT ORDER ENTERED.)


Prop. Plan $500 x 12, $1,500 x 12, $2,500 x 36, Base Plan
PTD 5/5 = $2,500
Last Claim (13-2)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-13483 / MEHJoseph Casello, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 1 of 6 required payments   Arrears: $5,244.00
Email InquiryMatter ResolvedRequest
Adjournment
12411/12/2025 10:00 am25-13825 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $200.00
AS OF 9/26/25 (SF)

1. Nissan-Infiniti LT filed arrears claim 5-1 in the amount of $10 for a lease which is not assumed in the plan (MUST RESOLVE)

2. USAA Federal Savings filed unsecured claim 4-1 for 2023 GMC Yukon XL. This is not a lease so this claim appears to be filed incorrectly. The debtor pays $1521.21 p/m. The plan lists this creditor as secured (NEED AMENDED CLAIM)

3. NewReZ LLC filed arrears claim 11-1 in the amount of $3792.62 which is not addressed in the plan (OK TO PAY?)

4. Trustee objection:

- Need a valuation for the timeshare.

- The debtor(s) plan consists of unnecessary or Excessive expense items, such as: $1,525 & $615/month car payments $250/month for timeshare (luxury item)

- 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:
Verified income leaves monthly disposable income of $1,442.62.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,835.00 when
determining disposable income.

- There is $18,815 in non exempt equity in the bank accounts.

- USAA filed a bifurcated claim which needs to be resolved.

- Need name of attorney handling car accident and personal injury suits.

- Need 6 months Profit and Loss statement for the Della Fusion Spa LLC



Plan proposes $200 x 60 Base
Payments: 4/5 Arrears: $200



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

- Need a current market analysis - with comparatives sold within 6 months of filing. (Moot. Using Zillow there is still no equity)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-13964 / MEHEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/29/2025 (at):

1. Monmouth Heights at Freehold Recreation Association filed a bifurcated claim which needs to be resolved. (secured - $1,538.90 and unsecured - $1,093.50)

2. Need outcome of adversary proceeding filed by Thomas Cordingley.

3. Trustee's objection:
- The debtor has insufficient income. (CURRENT)
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor must provide updated proof of auto insurance for the 2015 Audi, 2020 Honda and 2014 Ford. The policy provided expires on 9/22/25. (RECEIVED)

Plan proposes: $350 x 60 beginning 8/1/2025, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-14065 / MEHDavid A. Semanchik, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 6 required payments   Arrears: $832.00
New Plan

Note - Motion to Approve Partial Claim filed 9/9/25 might resolve M&T Bank (McCalla) OBJ (dm)

issues as of 8/14/2025 (JMA) - atty to file modified plan, will also request adjournment of confirmation hearing

1) M&T Bank (McCalla Raymer) objection to confirmation -STILL NEED TO RESOLVE OBJECTION
- mortgage arrears $19,775.57
- Debtor's plan fails to acknowledge or accommodate any arrears due.
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income.
- A Modified Plan that removes Ally & GM on Part 4b, since creditors are on Part 4d and 7c, also attorney disclosure has fees $4,072 and plan has $4,063 - NOT RESOLVED TO DATE
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is non-exempt equity in the residence $28,787. The CMA provided has an estimated value
$301,200 based on comps provided, but realtor gives $285,000 with no explanation. $285,000 was the only property with the value, two were $299,900 and one for $320,000. Zillow values property $311,700. THE LAST PROPERTY ON THE CMA SHOULD BE EXCLUDED AS IT IS OLDER THAN 6 MONTHS AFTER FILING. THE AVERAGE OF THE REMAINING 3 COMPS IS $306,608.
-UPDATED CMA HAS AVERAGE VALUE AT $284,475 USING COMPS WITHIN 6 MONTHS OF FILING
- Add to confirming order non-exempt proceeds from potential lawsuit against prior employer (EEOC Claim) to Trustee.
- M&T Bank filed arrears claim $19,775.57, plan has outside and needs to be paid. PLAN FAILS TO PROPOSE TREAMENT OF CLAIM, THE FILED CLAIM #9 SEEKS PAYMENT OF $19,775.57.
3) The plan treats Ally (2018 Chevrolet) and American Financial Services (2019 GMC Acadia) in Part 4a and Part 4b with two different amounts. NEED TO RESOLVE

proposed plan $416x60 base plan
paid in $832
arrears $832
last claim 21-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certificat
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-14129 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $3,196.00
As of 9/29/25 (SF)

341 not held - Rescheduled to 10/30/25
Payments: Copy of TFS payment receipt in the amount of $2000 received. Payment is pending
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-14612 / MEHAndy Winchell, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
14011/12/2025 10:00 am25-14638 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $200.00
AS OF 9/26/25 -

1. ADV filed by NJ Dept of Labor to determine dischargeability of debt (Adv 25-01303) - Pretrial conference 10/1/25. (ORDER FOR JUDGMENT ENTERED ON 9/23/25 $13,236 IS NONDISCHARGEABLE. WILL PLAN BE AMENDED TO PAY THIS?)

2. Objection filed by Real Time Resolutions (Steven Kelly) - failure to pay arrears of $24,882.39. Secured Creditor objects to confirmation of the Debtor's Plan as its treatment is impermissible under the Bankruptcy Code. Per creditor, the property should be surrendered in the plan. (MUST RESOLVE) NEED STATUS

The plan states:
The debtor's Chapter 7 Discharge for case # 09-21794 absolved her of any and all personal liability for this debt with the original 2nd mortgage holder; this Discharge thus also applies to the current 2nd mortgage holder who took over that same loan. They are free to pursue their State law rights).


Plan proposes $200 x 36 Base
Payments: 4/4

RESOLVED:
- Need a copy of the homeowner's insurance renewal declaration - prior to confirmation. Policy provided expires on 6/27/25. (RECEIVED)

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

- Trustee objection:
- Need March and April statements for Venmo account.(RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-14704 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 1 of 5 required payments   Arrears: $15,941.00
AS OF 9/26/25 (SF)

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

2. IRS unsecured claim 3-2 is estimated (NEED AMENDED CLAIM)

3. Objection filed by Wells Fargo Bank (Kelly) - failure to provide for arrears of $214,651.22 (MP FILED TO PAY ARREARS)

4. Trustee objection:

- Need a current market analysis - with comparatives sold within 6 months of filing.

- Need April and May bank statements for TD account 6374.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$250/month for home maintenance
$550/month for utilities
$950/month for food for two
$300/month for entertainment
Need proof of excessive expenses 10 days prior to confirmation.

- The debtor(s) is not paying all disposable income into the plan Per the 22C, monthly disposable income is $16,561 which requires a minimum dividend of
$993,660 to general unsecured creditors.

- Need a statement for the Sofi stock account.


Plan proposes $3500 x 3; $5433 x 57 100% Plan
Payments: 1.5 of 4 Arrears: $10,508



Email InquiryMatter ResolvedRequest
Adjournment
16811/12/2025 10:00 am25-15058 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $2,570.00
AS OF 9/25/25 (SF) NOT CURRENT WITH PAYMENTS ARREARS: $5146 (TFS payment receipt provided for 3 pending payments)


1. Objection filed by SN Servicing (Wohlrab) - Debtor`s proposed plan is insufficient to provide for the total debt claim of Secured Creditor. (MUST RESOLVE)

2. Trustee objection:

- There is $126,352.43 non-exempt equity in house. Plan requires 100%.

Plan proposes $2574 x 60 Base Plan
Payments: 2/4 Arrears: $5146


RESOLVED:
- State of NJ filed estimated priority and secured claim 9-1 (AMENDED)
- The debtor has failed to file the required Pre-Confirmation Certification (filed)

Email InquiryMatter ResolvedRequest
Adjournment
13811/12/2025 10:00 am25-15091 / MEHJuan C. Velasco, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $24.00
issues as of 9/24/2025 (JMA)

1) Trustee objection to confirmation - RESOLVED
2) IRS priority claim #4 is estimated FOR 2021 taxes, need amended claim - STILL ESTIMATED
3) Provident Bank filed secured claim 6-1 with judgment lien on 1st mtg in the amount of $437,615.72 - PROPOSED PLAN IS NOT FEASIBLE (Per AR - this can be worked-up paying the arrears of $57k per the POC)
4) Proposed plan payments are not sufficient to pay the judgment lien in full through plan - need to resolve

proposed plan $2,028.93x60 100% plan
paid in $8,097.93
last claim 6-1

RESOLVED ISSUES;

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-15207 / MEHLee M. Perlman, Esq.Confirmation HearingPending WorkupDebtor has made 2 of 5 required payments   Arrears: $2,913.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-15312 / MEHAniello D. Cerreto, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-15359 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $2,680.00
Email InquiryMatter ResolvedRequest
Adjournment
15011/12/2025 10:00 am25-15487 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 5 required payments   Arrears: $7,167.00
AS OF 9/9/25 (at):

Trustee's objection:
- Estimated tax claims by St Of NJ needs to be resolved. (STILL ESTIMATED)
- The debtor needs to supply a certification regarding any equipment or vehicles owned by his business along with the values. (NOT RECEIVED)

Plan proposes: $2,389 x 60 beginning 6/1/2025, $0 to unsecured creditors
Payments: 2/4, arrears $4,778
Email InquiryMatter ResolvedRequest
Adjournment
16811/12/2025 10:00 am25-15728 / MEHBrian S. Thomas, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,000.00
ISSUES AS OF 9/19/2025 (DM):

1) IRS filed $20,467.44 amended priority claim that includes WT-FICA & FUTA estimated taxes for 2025 based upon debtor's business ownership - Atty needs to contact the IRS to clear up this issue (UNRESOLVED.)

2) State of NJ filed $33,731.07 priority claim that includes S&U estimated taxes for 2023 & 2024 (UNRESOLVED.)

3) Kapitus Servicing filed a bifurcated claim for $51,707.58 secured (UCC-1 Statement) and $100 unsecured that is not treated in the plan (PAY POC AS FILED OR MOVE AGAINST THE POC?? - Pay as filed.)

4) Trustee OBJ:
- Debtor has failed to file a feasible plan that proposes an increased tier plan when car payment of $439 ends in month 15 (UNRESOLVED.)
- Need Marcus Goldman Sachs savings acct statement for May (UNRESOLVED.)
- Need Acorn statement from May (UNRESOLVED.)
- Need TD Bank acct statement for May (UNRESOLVED.)
- Need Bitcoin acct statement from 4/1/30-5/30/25 or Certification (UNRESOLVED.)
- There is non-exempt equity in the 2018 Nissan of $1,631, 2013 Toyota Tundra of $3,325, Kayak/surfboard/mountain bike of $2,000, TD Bank acct of $2,352, Marcus savings acct of $2,528 (pending statement), Acorn acct of $400 (pending statement), Bitcoin acct of $500 (pending statement), and Bayside Carpet business of $10,000.
- Income verifies higher ($3,212/$6,231) than scheduled resulting in $2,323 monthly disposable income.
- Form 22C may have disposable income of $305.30 which would require a $18,318 minimum dividend to GUCs.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

- EXCESSIVE EXPENSES:
(i) - Business operates out of the residence. Thus, there are excessive expenses on P&L statement and Sch J when reviewed together:

- prorated insurance from P&L statement of $828.34 does not specify what kind of insurance -vs- $500 auto insurance and $120 pet care insurance from Sch J totals $1,448 for all insurance.

- prorated utilities on P&L statement of $234.34 -vs- $570 utilities on Sch J totals $804.34 for all ut
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-16058 / MEHJames J. Cerbone, Esq.Confirmation HearingPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-16154 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 4 required payments   Arrears: $3,125.00
Email InquiryMatter ResolvedRequest
Adjournment
19111/12/2025 10:00 am25-16156 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $700.00
AS OF 9/25/25 (SF)

1. Objection filed by US Bank (RAS) - failure to pay arrears and speculative sale.

2. Objection filed by the State of NJ (Aiden Black) - failure to provide for payment of priority claim and failure to file tax returns.

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

4. Trustee objection:

- The debtor has insufficient income. Verified income leaves monthly disposable income of $292 Debtor must sign up for e-wage.

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



Plan proposes $350 x 12; $650 x 12; $1150 x 12; $1350 x 12; $1500 x 12 Base Plan; Sale by 12/31/25
Payments: 2/3 Arrears: $350


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Proof of 2 month's income - Need May pay stubs for non filing spouse. (RECEIVED)


Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-16237 / MEHJeffrey S. Nowak, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,600.00


Trustee OBJ to amended Sch C filed as Doc #16 (MOOT - AMENDED SCH. C FILED AS DOC #24 CORRECTS THE ISSUE.)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-16332 / MEHDavid Jerome Witherspoon, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 3 of 4 required payments   Arrears: $150.00
Email InquiryMatter ResolvedRequest
Adjournment
15811/12/2025 10:00 am25-16411 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $2,508.00
As of 9/5/25 (DS): 1. Bar date has passed IRS and Bahia Principe have not filed claims.

2. BELOW ISSUES REMAIN UNRESOLVED.

As of 8/18/25 (DS): Debtor atty requested adj to allow time to resolve obj

8/20/25 (DS): 1. Trustee obj to the following:
- Must provide CMA and Deed for timeshare in Punta Cana, 2 months proof of income from son contributing for car payment and insurance, 2024 Tax Return from spouse and 2 months bank statements for May and June from Chase Bank accts#1802 & #3125 and Affinity Bank acct#0103 prior to filing date.
- A modified plan that pays attorney fees per Disclosure and Statement of Financial Affairs $2,806 due.
- 22C has disposable income $1,801. Plan propose 100%.
- There is non-exempt equity in the residence $152,104, Punta Cana, DR timeshare (Pending docs), 2023 Hyundai $4,779, Affinity Bank $4.92 (Pending statement), Chase Bank acct#1802 (Pending statement) and Chase Bank acct#3125 (Pending statement).
- Chase Bank acct#5986 has $1,322, per statement provided. Sched B listed as $0, used the d(5) used for Chase Bank acct#3125 as $1,322, no statements were provided for Chase acct#3125.
- Affinity FCU filed 3 separate secured claims for 2019 Lexus, 2 with $0 arrears owed and is to be treated outside, per Plan. However, claim#2-1 is a cross collateralized and is a bifurcated claim with secured $2,967.50 and unsecured $18,310.50, which needs clarification, since plan propose 100% to unsecured creditors.

Prop Plan $2,588 x 60 begin 7/1/25; 100%
Note: ServBank obj resolved to pay POC arrears.
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-16553 / SLMJonathan Stone, Esq.Notice of Hearing - (No Upload)3rd Party MatterCREDITOR, REILLY OBJ TO EXEMPTIONS 522 (d)(1), (3), & (4)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-16561 / MEHEric J. Clayman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 4 required payments   Arrears: $400.00
Email InquiryMatter ResolvedRequest
Adjournment
15011/12/2025 10:00 am25-16616 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $825.00
As of 9/29/25 (DS): Debtor atty requested adj request denied, still missing updated auto insurance

As of 9/24/25 (DS): 1. Trustee obj to the following:
- Need updated CMA with recent comps (comps used were all from 2024. Zillow list property for sale $599,999 by person who did CMA. There would be non-exempt equity $74,182) and updated auto insurance (expired 9/17/25).
- Add to confirming order fee app within 7 days from confirming order.

Prop Plan $825 x 60 begin 7/1/25; 0%
Email InquiryMatter ResolvedRequest
Adjournment
17011/12/2025 10:00 am25-16951 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $4,800.00
ATTY PROVIDED PROOF OF CASHIERS CHECK FOR $2,300. PAYMENT HAS NOT POSTED TO DATE. ONCE POSTED NEED TO ADJOURN CONFIRMATION HEARING TO ALLOW 341 TO BE HELD.

issues as of 9/8/2025 (JMA)

1) 341 scheduled for 9/18/2025
2) No Trustee plan payments to date, arrears $4,600
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-17165 / MEHMichael Nieschmidt, Esq.Confirmation Hearing ScheduledContinued
12/3/2025 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
As of 9/11/25 (DS): Debtor atty requested adj 341 rescheduled to 11/13/25

As of 9/5/25 (DS): Debtor atty requested adj, 341 sched 10/30/25. Debtor atty must submit confirmation adj request
Email InquiryMatter ResolvedRequest
Adjournment
16011/12/2025 10:00 am25-17588 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $693.00
AS OF 9/30/2025 (at):

DEBTOR HAS MADE LESS THAN ONE OF TWO PAYMENTS.

1. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure full arrears of $8,257.64. Plan proposes to pay $2,669.20. (UNRESOLVED)

2. Objection filed by Wells Fargo Bank (Brock & Scott) - failure to cure arrears of $947.76 (Per POC) Plan lists creditor as unaffected. (UNRESOLVED)

3. Objection filed by Metra Industries (Scura Wigfield) - schedule J fails to account for the $5,000 yearly payments owed to creditor pursuant to the April, 2011 settlement agreement. Failure to cure arrears of $100,200. (UNRESOLVED)

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $1,876.43.

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,331.00 when
determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- AS of now, there is $7,270. in equity in real property. (CLAIM FILED - NON EXEMPT EQUITY IS $4,004) (LANGUAGE ADDED)

Plan proposes: $563 x 60 beginning 8/1/2025, $0 to unsecured creditors
Payments: less than 1 of 2, arrears $736.24
Email InquiryMatter ResolvedRequest
Adjournment
16111/12/2025 10:00 am25-17634 / MEHAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $65.00
As of 10/16/25 (DS): Debtor atty requested adj to allow time to resolve creditor obj

As of 9/29/25 (DS): Debtor atty requested adj, request denied, does not provide homeowner insurance (RECEIVED)

As of 9/24/25 (DS): 1. Trustee obj to the following:
- Must provide Wells Fargo Bank statements from checking acct from 6/17/25-7/16/25 and 2 months bank statements from Wells Fargo savings acct prior to filing date.
- There is non-exempt equity in the residence $369,537, Wells Fargo chkg acct $2,243 and Wells Fargo savings acct (Pending statements).
- Add to confirming order Debtor to provide 2 month proof of income and amended Sched I & J by 2/1/26.
- Must resolve creditor obj.

2. SPS (GROSS POLOWY) obj to arrears not paid pending sale.

3. NJ Motor Vehicle filed arrears claim for $679.08, not in plan.

Prop Plan $65 x 36 begin 8/1/25; 100% and Sale of Larsen Rd 6 months from filing date 7/21/25 (1/21/26)
Note: Homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-17767 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/23/2025 (at):

1. Objection filed by Penny Mac (Gross Polowy) - failure to cure arrears of $1,150.88. Plan lists creditor as unaffected. (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income. Verified income leaves monthly disposable income of $329.68. Debtor must sign up for e-wage. (CURRENT)
- 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):
- Need June and July bank statements for Capital One accounts 5144 and 4596. (RECEIVED)
- A Modified Plan that increases trustee payment by $637 in month 38 when pension loan is paid off. (MODIFIED PLAN NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for home maintenance
$1,500/month for food for three
Need proof of excessive expenses 10 days prior to confirmation. (NOT RECEIVED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $42,767 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $593 in non exempt equity in the PNC bank accounts. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)

Plan proposes: $1,000 x 60 beginning 8/1/2025, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
17011/12/2025 10:00 am25-17827 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $586.00
AS OF 9/26/25 (SF)

Trustee objection:

- Need statements for the Primerica and Transunion insurance policies. (STILL NEED)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$958/month for food for two
$473/month for transportation
$150/month for pet care
$75/month for elderly aunt
Need proof of expenses 10 days prior to confirmation.

-
- Verified income leaves monthly disposable income of $707


Plan proposes $585 x 60 0%
Payments: 2/2

RECEIVED:
Need statements for the Boston Mutual; Globe Life insurance policies
Email InquiryMatter ResolvedRequest
Adjournment
17511/12/2025 10:00 am25-18039 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/25/25 (SF)

Trustee objection:

- Need Life insurance policy prior to filing date.

- Add to confirming order non-exempt proceeds from lawsuit to Trustee.

- Must resolve IRS estimated tax claim, 2022-2024 not filed. Claim 6-1




Plan proposes $200 x 36 Base
Payments: 2/2



Email InquiryMatter ResolvedRequest
Adjournment
17711/12/2025 10:00 am25-18084 / MEHStephen M. Goldberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $250.00
AS OF 9/29/2025 (at):

1. Objection filed by Americredit/GM Financial (Eisenberg Gold) - plan incorrectly classifies the loan as a lease in regard to the 2020 Honda Civic. (OTBS)

Note - per Atty, this is a household of 8 (dm)
2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- A Modified Plan that removes cars and mortgages from Part 6.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,000/month for utilities
$750/month for cable/internet/phone
$950/month for personal care
$1,010/month for transportation
$800/month for entertainment
$699 & $213 & $345/month car payments (cannot have 3 car payments)
$200/month for brother
$500/month chapter 13 plan payment (is the spouse in her own bankruptcy?)
$200/month for pet food
Need proof of excessive expenses 10 days prior to confirmation. (NOT RECEIVED)
- The attorney's fees in the plan and the disclosure statement do not agree. The disclosure statement states that $3,250 will NOT be paid through the plan. One of these must be amended. (NEITHER AMENDED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- Need a statement for the debtor's 401k loan. Also need a statement for the spouse's 401k loan. (RECEIVED)

Plan proposes: $250 x 60 beginning 8/1/2025, base
Payments: 1/2, arrears $250
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18106 / MEHRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $225.00
AS OF 9/26/2025 (at):

1. 341 is scheduled for 10/30/2025. (READY)
2. Payments: 1/2, arrears $150
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18176 / MEHFrederick J. Simon, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $800.00
As of 9/26/25 (DS): Debtor atty requested adj to allow time to resolve obj

As of 9/23/25 (DS): 1. Trustee obj to the following:
- Must provide 401(k) loan balance statement prior to filing date.
- Need a mod plan that marks off Part 8c-Trustee standard order of distribution and 8d-Post-petition claims and adds arrears owed to Arvest Bank $8,421.02 on Goldfinch Ln property.
- CMA provided only has 2 comps, one sold a year ago and another sold 6/2025 for $800,000. Zillow valued $800,600. Will use Zillow value.
- There is non-exempt equity in the Goldfinch Ln $72,298 and $942 in Chime acct total $73,240.
- Disposable income verifies $1,106.
- Must file Pre-confirmation certification.

Prop Plan $800 x 60 begin 9/1/25; Base
Note: HUD was provided for Ulyssis Rd, sale occurred 2014.
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18214 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/17/25 (DS): Debtor atty requested adj to allow time to resolve creditor obj

As of 10/17/25 (DS): 1. Trustee obj to the following:
- There is non-exempt equity $28,840 in the residence and $929 in TD Bank total $29,769.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.

2. Citigroup-1ST MTG (STUART WEST) obj to loan mod, when debtors defaulted on loan mod in 2019, plus income and expenses can not afford loan mod. Must resolve obj.

3. Real Time-2ND MTG (CORY WOERNER) obj to plan not proposing to pay prepetition arrears, POC filed with arrears owed $26,959.81, plan list as outside no arrears owed. Must resolve obj.

Prop Plan $400 x 36 begin 9/1/25; Base and Loan mod on Boulder Dr by 1/31/26
Note: Homeowner insurance provided 10/17/25. Second mtg filed claim, statement no longer needed. Proof of school expense provided.
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18412 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/14/2025 (at): Adj. to after bar date

1. One Main filed a bifurcated claim which needs to be resolved. (Secured - $5,450, unsecured - $1,991.62 and arrears of $281.16)

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Need statements for the debtor's two thrift loans. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,290/month for food for two
$290/month for clothing
$1,288/month for child support
Need proof of expenses 10 days prior to confirmation. (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):
- Verified income leaves monthly disposable income of $2,355.67.
- Need July and August bank statements for Wells Fargo account 4260. (NOT RECEIVED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $110,799 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $1,095 x 60 beginning 9/1/2025, 100% to unsecured creditors
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18420 / MEHEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18429 / MEHAndrew M. Carroll, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18559 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/17/25 (DS): Debtor atty requested adj to allow time to resolve all issues and file mod plan

As of 10/16/25 (DS): 1. Trustee obj to the following:
- Must provide 2 months bank statements from Bank of America acct#0551 shown in Debtor's bank acct prior to filing date.
- Must amend Schedules A/B and C to add personal injury claim and take $5,532 for PNC bank acct to protect non-exempt equity.
- Add to confirming order non-exempt proceeds from personal injury claim to Trustee.
- Must file Pre-confirmation certification.

Prop Plan $568.43 x 60 begin 9/1/25; Base
Note: C/O entered with mtg to pay arrears, no POC filed.
Email InquiryMatter ResolvedRequest
Adjournment
18711/12/2025 10:00 am25-18634 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $350.00
As of 9/23/25 (DS): 341 not held 9/18/25, still missing docs
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18726 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18841 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $410.00
10/17/25 (SF) Atty would like to adj to give mortgage company time to file claim


AS OF 10/14/2025 (at):

RECOMMEND: $410 x 60 BEGINNING 9/1/2025, $0 TO UNSECURED CREDITORS

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 homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
- The debtor must provide updated proof of auto insurance for the 2022 Chevy Trail Blazer, 2009
Chevy Silverado and 2014 Harley Davidson. The policy provided expires on 9/28/2025. (RECEIVED)

Plan proposes: $410 x 60 beginning 9/1/2025, $0 to unsecured creditors
Payments: 1/2, arrears $410
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18915 / MEHJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,400.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18964 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18981 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/16/25 (DS): Debtor atty requested adj to allow time to pass bar date and resolve all issues

As of 10/16/25 (DS): 1. Trustee obj to the following:
- The amount of debt in the debtors Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e). Total unsecured claims filed as of 10/6/25 is $596,381.13 over the $526,700 limit.
- Must provide balance statements on all liens on property, if no claims filed.
- 22c Line 45 has disposable income $3,828.80 and disposable income verifies $9,598. Plan is 100%
- There is estimated non-exempt equity in the residence $238,456, 2008 Honda $4,125, $11,279 in 2019 Ford F350, $1,200 in 2010 Trailer, $8,000 in 2021 Trailer, $3,940 in Collectible items, $1,700 Misc. weights, surfboards, mountain bikes, Starcaster by Fender and Flutes, TD Bank S Hore Thing acct#9791 $14,452, TD Bank Business Wreck'd Productions acct#8939 $10,798, Security deposit $5,813, Accts receivables $16,978, Office equipment $5,460, Machinery $89,270, Interest in partnerships $95,000 and Customer listing $1,000.
- Must file Pre-confirmation certification.

Prop Plan $2,098 x 60 begin 9/1/25; 100%
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-18992 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $400.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19092 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $3,062.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19111 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19164 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $968.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19179 / MEHBrian L. Hoffman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19187 / MEHWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19207 / MEHJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19225 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19236 / MEHPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $250.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19238 / MEHPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19256 / MEHMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19308 / MEHPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19326 / MEHBarbara J. Snavely, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19454 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19497 / MEHErik Frins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,400.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19499 / MEHRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $800.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19514 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $989.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19530 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $3,000.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19570 / MEHEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19597 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $352.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19663 / MEHBrian S. Thomas, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,700.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19671 / MEHMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19677 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $100.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19716 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,200.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19732 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,014.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19746 / MEHKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19821 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 10:00 am25-19822 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,188.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 11:00 am25-19396 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,108.00
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 2:00 pm23-17981 / MEHDaniel E. Straffi, Esq.Creditor Certification of Default3rd Party MatterADJ to 11/12/25 at 2 PM to try and resolve (dm)

Direct Hold for Judge at 2 PM (dm)

Debtor obj<> PENNYMAC (Powers Kirs)
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 2:00 pm25-16784 / MEHMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 2:00 pm25-16978 / MEHCarlos D. Martinez, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
011/12/2025 3:00 pm24-13305 / MEHScott D. Sherman, Esq.AP Summons IssuedJudge to Reserve Decision
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes