ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 11/19/2025
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
011/19/2025 2:00 am22-15401 / MBKEdward Hanratty, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 2:00 am23-13898 / MBKCandyce I. Smith-Sklar, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 2:00 am23-19208 / MBKEdward Hanratty, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 2:00 am25-10578 / MBKAllen I. Gorski, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am20-12916 / MBKANDREW J KELLY, ESQMotion Motion (Generic) - Only use if no other event is applicable3rd Party MatterMTN TO PAY OFF CASE EARLY
Email InquiryMatter ResolvedRequest
Adjournment
911/19/2025 9:00 am20-19798 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsPLAN BAL $559. WEEKLY PYMTS FROM TFS-eWAGE of $151.62)

Debtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
2011/19/2025 9:00 am22-16998 / MBKFrances A. Tomes, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj,<>WELLS FARGO/Monmouth Blvd (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am22-17266 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>FAILED TO SELL CREIGHTON CIRCLE PPTY BY 9/1/25; ARREARS

order to sell 9/18
1/2 payment arrears now edc
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am22-19566 / MBKJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am23-10989 / MBKErik M. Helbing, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
2511/19/2025 9:00 am23-11897 / MBKKirsten B. Ennis, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsADJ to 11/19/25 Peremptory

Debtor obj<>THE BANK OF NEW YORK MELLON (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am23-13109 / MBKAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)3rd Party MatterSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am23-14275 / MBKRobert Manchel, Esq.Motion Relief from Stay (Fee)3rd Party MatterGOLF PARK VIEW CONDO ASSOC (McGOVERN)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am23-16255 / MBKAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am24-10291 / MBKLee M. Perlman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> US BANK/Garrison Circle (Friedman Vartolo)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am24-16323 / MBKYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am24-17685 / MBKPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am24-18631 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 11/19<>

Debtor obj<>FAILED TO LM BY 9/1/25;
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am24-20401 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupDebtor obj<>PLAN WAS DENIED ON 8/27/25 AND FAILED TO FILE A MODIFIED PLAN
Email InquiryMatter ResolvedRequest
Adjournment
5611/19/2025 9:00 am24-20565 / MBKKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: DEBTOR ONLY OWE FOR AUG, BUT NEEDS TO ADDRESS SV FOR UNITED AUTO

Debtor obj, making pymt & requests recap<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
6311/19/2025 9:00 am24-21433 / MBKEugene D. RothMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsADJ to 11/19 Peremptory per AR - by 11/1 a motion to approve short sale or MP to surrender the property.

Debtor obj<>FAILED TO SELL MCFARLANE CIRCLE PPTY BY 7/1/25; SALE ORDER ISSUED 4/23/25 EXPIRED AFTER 90 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
6411/19/2025 9:00 am24-21461 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP 11/19<<>>

Debtor obj, made pymt; filing to extend LM<>FAILED TO LM BY 5/3/25
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am24-22570 / MBKMarc C. Capone, Esq.Motion SellNo Opposition Filed11 BROWNING PL
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-10500 / MBKCharles D. Whelan, III, Esq.Hearing Scheduled (Document)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-10680 / MBKPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO LM BY 9/30/25
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-11081 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
7511/19/2025 9:00 am25-11124 / MBKBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>NEWREZ/SHELLPOINT (PINCUS & TARAB)
Email InquiryMatter ResolvedRequest
Adjournment
7411/19/2025 9:00 am25-11124 / MBKBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMotion to Sell granted 10/8

Debtor obj, mtn to sell pending<>FAILED TO SELL BY 8/1/25
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-11191 / MBKRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: LOSS MIT EXTENDED TO 11/3<>

Debtor obj<>FAILED TO LM BY 7/31/25, EXTENDED LOSS MIT EXPIRED 9/3; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-12152 / MBKAndrew G. Greenberg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>US BANK TRUST (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-12285 / MBKJoan Sirkis Warren, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterSELECT PORTFOLIO (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-12285 / MBKJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-12683 / MBKDaniel E. Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE JB&B CAPITAL
Email InquiryMatter ResolvedRequest
Adjournment
8311/19/2025 9:00 am25-12683 / MBKDaniel E. Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsTimePayment Corp obj (Saldutti)<>MTN TO EXPUNGE TIMEPAYMENT
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-12684 / MBKDaniel E. Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE JB&B CAPITAL
Email InquiryMatter ResolvedRequest
Adjournment
9011/19/2025 9:00 am25-12684 / MBKDaniel E. Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsTimePayment Corp obj (Sladutti)<>MTN EXPUNGE TIMEPAYMENT CORP
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-12714 / MBKWilliam S. Wolfson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-13559 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)3rd Party MatterSANTANDER (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
10011/19/2025 9:00 am25-14400 / MBKPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP filed 10/6

Debtor obj<>PLAN WAS DENIED ON 8/27/25 AND FAILED TO FILE MP
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-14649 / MBKAdrian Johnson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledPAN WAS DENIED ON 9/17/25 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-15972 / MBKJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)No Opposition FiledQUAIL RIDGE ACQUISITIONS (EHRLICH, PETRIELLO)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-16127 / MBKWilliam P. Bonomo, Esq.Motion Relief from Stay (Fee)No Opposition FiledSN SERVICING/US BANK TRUST (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-16541 / MBKScott J. Goldstein, Esq.Motion Relief from Stay (Fee)No Opposition FiledJPMORGAN CHASE (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
11211/19/2025 9:00 am25-16572 / MBKDemetrius J. Parrish Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - Objectionsadj revised poc by
debtor response by
AR NOTE ON MULT TIMES FULLY SUBMITTED NEED RESOLVED TO WORK UP CONF AND IF FEASIBLE
South Fork obj (Gorski)<>MTN EXPUNGE CLM#6
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-17183 / MBKGeorge E. Veitengruber, III, Esq.Motion Motion (Generic) - Only use if no other event is applicable3rd Party MatterMTN AUTHORIZING DEPOSIT OF FUNDSTO TRUSTEE
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-17337 / MBKRoman Akopian, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-19356 / MBKJoan Sirkis Warren, Esq.Motion Motion (Generic) - Only use if no other event is applicable3rd Party MatterUS BANK TRUST NAT'L ASSOC (ROMANO)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-19356 / MBKJoan Sirkis Warren, Esq.Motion Prospective Relief3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 9:00 am25-19356 / MBKJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am22-17601 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 32 of 37 required payments   Arrears: $924.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am23-17572 / MBKHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 26 required payments   Arrears: $3,107.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am24-13568 / MBKSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 17 of 18 required payments   Arrears: $1,559.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am24-18631 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 14 required payments   Arrears: $15,050.00
Email InquiryMatter ResolvedRequest
Adjournment
711/19/2025 10:00 am24-19881 / MBKJacqueline R. Rocci, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 12 of 12 required payments   Arrears: $0
PER MBK
STATUS CONFERENCE MONDAY

Waiting for atty to get consent to adj to 11-19
9/8 workup for 9/17 peremptory
EDC

11 MONTHS OLD -same as last time- OBJECTIONS ARE NOT RESOLVED

*what is Pride Edison auto body on schedule B? Is it one of the properties? Value of business?

1) Trustee objection to confirmation - need to resolve
- There is $398,886 non-exempt equity in 1065 Amboy Avenue, Edison property - ALL BAR DATES HAVE PASSED, CLAIMS CORRECTLY SCHEDULED IN LIQUIDATION ANALYSIS, THERE IS $906,683.82 NON-EXEMPT EQUITY IN THE AMBOY AVENUE PROPERTY. ROCCI THINKS THERE IS NO EQUITY OF NORTHFIELD DID NOT FILE THEIR CLAIM AS SECURED THEY FILED AS A $800,000 GUC

- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. WILL ADD NOTE TO CONFIRMATION ORDER
- Need to file Pre-Confirmation Certification. STILL NOT FILED TO DATE

2) Cherokee Equities/Financial (Goldenberg Mackler) objection to confirmation - STILL NEED TO RESOLVE OBJECTION-HAVE MOTION FOR RELIEF SCH.
- this filing is based on sale of a contaminated commercial property owned by a non-debtor corporate entity solely controlled by the debtor.
- Creditor objects to confirmation of modified plan because it seeks to modify the claim which is secured by a mortgage on the debtor's home

3) Northfield Bank (Maselli Mills) objection to confirmation - need to resolve - CREDITOR FILED UNSECURED CLAIM #4 IN THE AMOUNT OF $802,365.36
-Northfield Bank holds judgment in the amount of $782,210.05

4) LB-Honey Badger SB Muni Cust (Zeitz) objection to confirmation - STILL NEED TO RESOLVE OBJECTION
-creditors claim $78,148.23
-proposed plan is not feasible

proposed plan $1,300x36 base plan with sale of Amboy Avenue/Business liquidation/loan modification
paid in $7,800
last claim 10-1
--------------------
resolved
2) State of New Jersey priority claim is estimated for 2020 taxes, need to resolve RESOLVED, AMENDED TO ZERO
- Need to provide proof of service on N
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am24-20401 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 11 of 12 required payments   Arrears: $767.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am24-21461 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 12 of 11 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
13011/19/2025 10:00 am25-11811 / MBKMaureen Vella, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 8 required payments   Arrears: $949.00
amt: 100% not feasible; per EC filed status change to relist for 11/19<<>>

9/26 workup for the 10/8 calendar

CONFIRM:
$6644.40 PAID THEN 949 X 53 BEG 10/1/25 100%- WITH MIN OF $37,135 DUE TO EQUITY--TRUSTEE TO PAY STUDENT LOAN CLAIMS 1,2 & 5 OUTSIDE OF THE PLAN


1) Trustee objection to confirmation - need to resolve
- A copy of the homeowner's insurance renewal declaration - policy provided expired 5/11/2025, need to provide renewal - SENT THE SAME POLICY THAT EXPIRED 5/11/2025.

- DEBTOR INCOME PROVDED IS $5000 MORE MONTHLY THAN ESTIMATED. WITH THE 2024 TAX RETURN REFUNDS, DISPOSABLE NET INCOME INCREASED TO $6,694.76 A MONTH

- Bank balances higher than amount listed on Schedule A/B. Chase #6521 2/19/2025 balance $744.52; Chase #6385 balance as of 1/31/2025 $6,286.57. Need to amend Schedules A/B and C.

- There is $37,135.71 of equity in real property. MUST PAY $37,135.71 TO GENERAL UNSECURED CREDITORS DUE TO NON-EXEMPT EQUITY IN HOUSE

proposed plan $959.20x60 base plan
paid in $3,796.80
arrears $949.20
last claim 16-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - 2024 for both debtor and codebtor. RESOLVED, PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-12036 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $700.00
Email InquiryMatter ResolvedRequest
Adjournment
11611/19/2025 10:00 am25-12253 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 7 required payments   Arrears: $1,240.00
9/28 workup for the 10/8 calendar EDC

*ok to conf if Nationstar resolved

MP $2720.12 paid then $660 x 2 beg 9/1 then $1004 x 53 beg 11/1 sale of home by 10/31/2025- 100%- due to equity of $19564 in inheritance and tax refund--trustee to receive proceeds of $15,771 from inheritance by 10/31 and non-exempt proceeds from the sale by 10/31/25 trustee cannot pay Bordentown or Pro Cap claims unless valid claims filed

1. Objection file by Nationstar Mortgage (McCalla Raymer) - failure to cure arrears of $45,724.98 and proposed sale is speculative(Per POC). (UNRESOLVED)
---IS HOUSE ON MARKET? SHOULD BE IF HOUSE TO BE SOLD BY OCTOBER PER PLAN

*there is $3793 in non exempt tax refund per schedule C. Also $15,771 per the inheritance=$19564 non exempt and only $4000 in filed guc claims so will be 100%--DEBTORS DID NOT TURN OVER INHERITANCE PROCEEDS PER PLAN. WHERE ARE PROCEEDS?

2. Trustee's objection:
- CMA values the property at $280,000. Zillow values the property at $454,700. Need an explanation for the difference in value. (OK TO PUT LANGUAGE THAT TRUSTEE TO RECEIVE NON-EXEMPT PROCEEDS SINCE CASE IS GOING TO BE 100% DUE TO INHERITANCE)
- The debtor's plan consists of unnecessary or excessive expense items, such as: (EXPENSES OK IF 100%)
$2,569/month mortgage payment (per statement the payment is $2,468.50)
$520/month for utilities
$610/month car payment
$189/month for wife's cell phone
$250/month for roof repair
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- Verified income leaves monthly disposable income of $903.
---------------

RESOLVED ISSUES:
- Add non-exempt proceeds from the estate of the debtor's father. Need documentation from the estate. (RECEIVED-debttor getting $15,771)

- The debtor has not filed the required Pre-Confirmation Certification. (FILED)
- Need statements for the spouse's 2 401k loans. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-12500 / MBKErik Frins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $993.00
Email InquiryMatter ResolvedRequest
Adjournment
13211/19/2025 10:00 am25-12547 / MBKWarren S. Jones, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $1,912.00
AS OF 9/30/25 (SF) NO MP FILED - PEREMPTORY


AS OF 8/21/25 (SF) - Atty wants to file modified plan but still needs to explain how the plan will be feasible. Will adjourn one more time and mark peremptory

PLAN IS NOT FEASIBLE. PROPOSED PAYMENT AND DISPOSABLE INCOME IS NOT ENOUGH TO COVER HIGHER CLAIM.

1. FIG 20 LLC FBO SEC PTY filed secured claim 4-1 in the amount of $1621.01 which is not addressed in plan (OK TO PAY?)

2. Lakeview Loan Servicing just filed arrears claim 3-1 in the amount of $179,906.29 which is not addressed in plan (MUST RESOLVE)

3. The plan proposes to pay adequate protection payments to Lakeview Loan Servicing (Need Order:
The Trustee requires an order to pay adequate protection payments through the plan)

4. Trustee objection:

-There is $95,951 non-exempt equity in house.



Plan proposes $1918.01 x 60 100% Plan
Payments: 5/6 Arrears: $1918.01

RESOLVED:
-Need to file Pre-Confirmation Certification with Court. (FILED)
- Mt. Holly MUA filed secured claim for $71.11 which is not addressed in plan (OK TO PAY?) YES
- Objection filed by Nationstar Mortgage (Egerman) - failure to provide for arrears of $3446.20 (RESOLVED VIA ORDER - OK TO PAY ARREARS)
- State of NJ filed estimated priority claim 5-1 (NEED AMENDED CLAIM)
- Need a copy of the homeowner's insurance renewal declaration - policy provided for rental property expires 8/2/2025, if not confirmed by that date need to provide renewal statement (RECEIVED)
- The debtor has insufficient income disposable net income is $58.55 (used all paystubs provided for income analysis). (Correction: Used all proof of income provided) (Schedules amended
DISPOSABLE INCOME IS $58.55 (Schedules I and J amended to remove mortgage amount of $1507.65 and $200 for homeowner's insurance)
7/25/25:atty email says filed amended I & J to remove mtg that is to be paid by Tr as AP pre conf(Mk)

Email InquiryMatter ResolvedRequest
Adjournment
13311/19/2025 10:00 am25-12683 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
AS OF 09/30/25 (SF)

- Motion to Expunge Timepayment Corp - 10/8 at 9 (Contested)
- Motion to Expunge Newtek Bank - 10/8 at 9 (Withdrawn)
- Motion to Expunge Centra Funding - 10/8 at 9 (OTBS)
- Motion to Expunge Skale Bank - 10/8 at 9 (COS - claim is allowed in its entirety)
- Motion to Expunge First Federal Bank - 10/8 at 9
- Motion to Expunge JB&B Capital - 11/19 at 9


Note: This a a companion case with Case 25-12684 Calcaterra. Per AR case should be adj so atty can file motions to modify claims. Per Straffi's office there are 7 claims that need to be split.

Objection is resolved via otbs:
The Bank's claim shall be treated as payable in full, with the entire claim of $102,755.65 to be paid through the Debtor's plan, with the Bank providing credit for any and all payments received on behalf of the Borrower, the Debtor or Tardio throughout the administration of the Debtor's plan. The Plans propose to pay 100% of unsecured claims to the unsecured creditors but propose that the Debtor and Tardio will each only repay 50% of the unsecured claim owed to the Bank under the Note and Guarantees.

1. Objection filed by Newtek Bank (Melissa Nelson) - limited objection to preserve the Bank's rights to further object following the meeting of creditors. (Newtek filed an unsecured claim)

2. First Federal Bank & Trustee filed bifurcated UCC Lien claim 8-1 which is not addressed plan. Claim filed with $30,000 secured, $6789.29 unsecured and $6432.42 arrears (MUST RESOLVE)

3. NewRez filed arrears claim 12-1 in the amount of $930.44 which is not addressed in plan (OK TO PAY?)

4. Trustee objection:

- Need 2 months bank statements for all bank accts on Sched B and Shore Point Advisors Portfolio acct prior to filing date. Docs provides are from 2024. (RECEIVED)
Debtor sent April and May paystubs there is nonexempt equity of $65,563 in 8733; $18,645 in 2589; $718 in 2501 and $1084 in Shore Point Advisors

-- 22C has disposable income $7,465.75. Plan propose 100% t
Email InquiryMatter ResolvedRequest
Adjournment
13411/19/2025 10:00 am25-12684 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
9/24 workup EDC

-IF MOTIONS TO EXPUNGE GRANTED 10/8 THIS WILL NEED TO BE ADJ TO UPDATE CLAIMS IN OUR SYSTEM

ADJ to 8/27/25 - Companion case is Tardio before Judge Kaplan - Atty needs to get consent order for duplicates claims in other case - parties intend to pay 50% in each case (dm)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - 2024 by 5/15/2025. NOT PROVIDED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $460/month for home maintenance; $700/month for utilities; $496/month for cable/internet/phone; $500/month for clothing; $400/month for entertainment. Need proof of excessive expenses 10 days prior to confirmation. (100% PLAN)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,322 when determining disposable income.
- There is $296,134 non-exempt equity in the residence, MORTGAGE CLAIM LOWER THAN SCHEDULED AMOUNT RESULTING IN INCREASE OF N/E EQUITY IN THE AMOUNT OF $300,249 (100% PLAN.)
- There is $25,695 non-exempt equity in the Wells Fargo bank account.
- Need proof of income for the debtor within 6 months of confirmation.
- Need Certification regarding any assets of the business that were financed or owned outright that is still in the possession of the debtor.
- Need P&L statements from debtor's new contracting job with Delta-T with an anticipated start date in May 2025.
3) Newtek Bank (Maselli Mills) objection to confirmation -resolved OTBS each pay 50% of claim

4) First Federal Bank & Trust filed claim 6-1. This is a bifurcated claim with secured amount is $30,000; unsecured amount $6,789.29 and arrears $6,432.42 - need to resolve ATTY AGREES TO PAY THE SECURED AND UNSECURED CLAIM THORUGH PLAN

proposed plan $4,500x60 100%
paid in $4,500
last claim 8-1

RESOLVED ISSUES:

- Need updated car insurance for the 2012 Volvo and the 2020 Honda. Policy
Email InquiryMatter ResolvedRequest
Adjournment
13511/19/2025 10:00 am25-12781 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
ADJ 11/19 - Debtor is now employed - need updated POI and amended I&J

9/28 workup for the 10/8 calendar EDC
SAME AS LAST TIME

=amended I & J filed shows negative -$650 monthly per schedules-case is not feasible EDC

-- NO CLAIM FILED BY CAPITAL ONE AUTO, PLAN PROPOSE TO PAY CLAIM. Bar date has passed 5/27/25, Capital One Auto has not filed arrears claim. Plan propose $5,050. Recommend striking and not paying.

--. Must file Pre-confirmation certification and fee app within 7 days from confirming order.(Not done)



Prop Plan $245 x 36 begin 4/1/25; Base
Note: Updated auto insurance and 2024 Tax return provided.
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-12821 / MBKGeorge E. Veitengruber, III, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 0 of 7 required payments   Arrears: $6,279.00
Email InquiryMatter ResolvedRequest
Adjournment
13811/19/2025 10:00 am25-13539 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
AS OF 9/30/25 (SF)

Motion to Sever case 9/17/25 at 9 (OTBS) - Order submitted to Chambers 10/6 (need order)
Belter Gonzalez will keep case no. 25-13539 and Glenda Reynosa-Gonzalez will be assigned a new case number. (The claims for Glenda will need to be transferred out of this case)


Because of Deed issue, atty needs time to decide the direction of the case (SAME AS LAST TIME)


AS OF 8/21/25 (SF) PLAN IS NOT FEASIBLE AS PAYMENT NEEDS TO INCREASE TO $1,004 AND DISPOSABLE INCOME IS ONLY $591



1. Lakeview Loan filed arrears claim 3-1 in the amount of $1526.29 which is not addressed in plan (OK TO PAY?)

2. Trustee objection:

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

- The debtor has undertaken an improper use of exemption. Specifically: -Deed provided only in the name of Belter A. Gonzalez. Cannot take exemption in the amount of $63,150, only allowed $31,575.

-There is $44,487 non-exempt equity in the house. (NON EXEMPT EQUITY IS NOW $46,489 DUE TO LOWER CLAIM)

Plan proposes $300 x 60 Base w/min $13,000 to gucs
Payments: 5/5



Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-13911 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $2,250.00
Email InquiryMatter ResolvedRequest
Adjournment
14211/19/2025 10:00 am25-14259 / MBKFrances A. Tomes, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
As of 10/2/25(mk):


Debtor has new 2nd job - ADJ to 11/19

1.Trustee objection:
- Proposed Payment is increasing to 1,076 per month to cover claims .

- Disposable income is $576 p/m. No amended I & J was filed and we need updated proof of income.



Plan: $564 X 6; $1076 X 54; 100%
6/6 payments
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-14367 / MBKDouglas A. Cole, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-14400 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 6 required payments   Arrears: $1,300.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-14602 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
14611/19/2025 10:00 am25-14869 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
ADJ to 11/19 Peremptory
AS OF 10/3/25 (SF)



1. Objection just filed by The Township of Millstone (Michael Connolly) - failure to pay pre-petition and post-petition arrears (MUST RESOLVE)

2. Trustee objection:

- The debtor has undertaken an improper use of exemption. Specifically: The Deed provided is
in the name of Wendy M. Maselli. Therefore, debtor is not in entitled to the 11 USC 522(d)(1) exemption on the Millstone property.


Plan proposes $750 x 60 100% Plan
Payments: 4/5 Arrears: $750


RESOLVED:
1. Objection filed by Ocean First Bank (Wilson) - failure to pay arrears of $12,388.75 (RESOLVED VIA ORDER)

Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-15521 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 14 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
15111/19/2025 10:00 am25-15526 / MBKMoshe Rothenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $2,720.00
$5,440 TFS payment scheduled for 10/5 (dm)
tr arrears
issues as of 10/1/2025 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor must provide updated proof of auto insurance for the 2023 Tesla . The policy provided expires on 9/6/25-RESOLVED, NEW POLICY PROVIDED GOOD THROUGH 3/6/2026
- The debtor has failed to list the monthly Zelle deposits as income in schedule I. The debtor received over $7,000 in deposits for the month of May alone. FROM 3/31/2025 TO 5/27/2025 TOTAL OF $14,460 ZELLE PAYMENTS RECEIVED, WHY IS THE DEBTOR RECEIVING THIS MONEY? MAY NEED TO BE A BASE PLAN IF THE ZELLE INCOME IS TO BE ADDED TO THE INCOME ANALYSIS.

proposed plan $2,720x60 begin 6/1/2025 0% plan
arrears $5,440
arrears $8,160
last claim 13-1
Email InquiryMatter ResolvedRequest
Adjournment
16511/19/2025 10:00 am25-15794 / MBKScott J. Goldstein, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $225.00
UPDATED 9/16/2025 (JMA) updated notes
issues as of 9/9/2025 (JMA)

1) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Padgett Law Group) objection to confirmation - RESOLVED, ORDER RESOLVING OJBECTION - PAY ARREARS PER FILED CLAIM
- Debtor's plan lists total claim amount of $112,755.42 which is significantly less than the creditor's claim of $119,768.81.
2) Trustee objection to confirmation - need to resolve
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $300 and Tele/Cell/Internet/Cable $450. Must provide proof of expenses 10 days prior to confirming. May be moot since plan propose 100%. SUPPORTING DOCUMENTATION NOT PROVIDED TO DATE
- The Schedules fail to account for the debtor(s) tax refund in the amount of $9,766 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the residence $209,612, 2018 Dodge $1,475 and Marital settlement agreement award $370,927. TOTAL NON-EXEMPT EQUITY $582,014.
- Must resolve creditor objection.
- Fee app within 7 days from confirming order.

proposed plan $450X 60 100% PLAN
paid in $675
arrears $225
last claim 4-1
Email InquiryMatter ResolvedRequest
Adjournment
15311/19/2025 10:00 am25-15926 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $1,800.00
9/30 workup for the 10/8 calendar EDC (RECOMMEND DISMISSAL)
SAME AS LAST TIME

* Objection filed by MMU, LLC (Ragan & Ragan) - independent appraisal shows property value is $940,000, not $800,000 as scheduled. Plan is not feasible. Creditor filed a secured claim for $334,099.51. (UNRESOLVED)

* Trustee's objection:
- The debtor has insufficient income. Verified income leaves monthly disposable income of $98.94. (excessive expenses)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$3,033/month for alimony/support (need order or certification form recipient for support)
$3,000/month to support mother
$250/month for one dog
Need proof of excessive expenses 10 days prior to confirmation. (NOT RECEIVED)

-----------------
RESOLVED ISSUES:
1. Objection filed by New Rez/Shellpoint (Padgett Law Group) - failure to cure arrears of $4,781.78. (Per Obj). Plan proposes to pay $0. (RESOLVED - PAY PER POC)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The current Plan does not specify treatment of MMU, LLC's secured claim under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $127,888 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $7,858 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Need to resolve objection by New Rez/Shellpoint. (LISTED ABOVE)

Plan proposes: $3,600 x 60 beginning 7/1/2025, not less than $151,888 to unsecured creditors
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
15911/19/2025 10:00 am25-16504 / MBKMichelle Lee, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $850.00
issues as of 10/1/2025 (JMA)

1) Bridgecrest Acceptance Corporation (Stewart Legal) objection to confirmation - NEED TO RESOLVE
- the plan should be modified to reflect a secured claim in the amount of $10,720
2) Bridgecrest modifying claim never filed certification of service.
3) Trustee objection to confirmation - need to resolve
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $185/month for personal care; $710/month for charity
$300/month for car insurance (per statement it is $221 per month); $81.67/month for mother's life insurance. Need proof of expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $1,007.
- 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 $19,178 in non-exempt equity in the residence.
- There is $1,763 in non-exempt equity in the bank accounts.
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Bridgecrest.

proposed plan $850x60 base
paid in $2,550
arrears $850
last claim 16-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): Need May and June bank statements for PNC account 8992 - RESOLVED, PER DEBTOR ACCOUNT WAS OPENED 6/16/2025 THERE IS NO STATEMENT FOR MAY 2025.
- Need statements for the debtor's two 401k loans - RESOLVED, LOAN #1 WILL BE PAID IN FULL $11/13/2025; LOAN #2 WILL BE PAID IN FULL 3/29/2029 BALANCE AS OF 8/7/2025 $3,980.22
Email InquiryMatter ResolvedRequest
Adjournment
16111/19/2025 10:00 am25-16584 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
9/29 workup for the 10/8 calendar

- There is non-exempt equity in the residence $11,582. Plan propose 100%. OK WILL ADD NON EXEMPT SINCE 100%
- Must resolve NJ estimated tax claims, 2023 tax returns not filed.
- Exeter Finance filed bifurcated claim with arrears $131.98, secured $19,655.81 and unsecured $1,480.01. OK Trustee to pay arrears and treat unsecured outside of the plan

** Carrington Mtg (CHARLES WOHLRAB) obj arrears owed are more, POC filed with arrears $116,419.83.

Prop Plan $1,945 x 60 begin 7/1/25; 100%
----------------
resolved
- Must file Pre-confirmation certification.
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-16586 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $330.00
AS OF 9/29/2025 (at):

1. Objection filed by Rocket Mortgage (Stern & Eisenberg) - failure to cure arrears of $62,982.28 (Per POC). Plan lists creditor as unaffected. (UNRESOLVED)

2. Objection filed by Santander Bank (Eisenberg Gold) - plan fails to assume the lease for the 2023 Tesla Model Y. (UNRESOLVED)

3. 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):
-$400/home maintenance; $450/utilities; $2,000 food household of 4; $600/childcare and education; $600/transportation (only debtor working). Need to provide supporting documentation of these expenses. (NOT RECEIVED)

Plan proposes: $330 x 60 beginning 7/1/2025, base
Payments: 3/3
Email InquiryMatter ResolvedRequest
Adjournment
17511/19/2025 10:00 am25-16688 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 9/16/2025 (at):

PLAN IS NOT FEASIBLE. US SMALL BUSINESS ADMINISTRATION FILED A CLAIM IN THE AMOUNT OF $561,684.05.

1. Objection filed by PNC Bank (LOGS) - plan does not provide for the total debt payoff of $160,327.76. (Per POC) (OTBS).

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2024 prior to confirmation. (RECEIVED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $222,027 in non-exempt equity in the residence (100% PLAN.) (LANGUGAGE ADDED)
- There is $31,860 in non-exempt equity in the business. (LANGUAGE ADDED)
- Need to resolve objection by PNC Bank. (LISTED ABOVE)

Plan proposes: $1,000 x 12 beginning 7/1/2025, $3,500 x 48, 100% plan
Payments: 3/3
Email InquiryMatter ResolvedRequest
Adjournment
16411/19/2025 10:00 am25-16722 / MBKPRO SEConfirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 4 required payments   Arrears: $925.00
As of 10/2/25 (DS): PER EMAIL FROM CORY WOERNER ATTY FOR SELENE MTG, NO PAYMENTS POST-PETITION RECEIVED AND WANTS TO CONTINUE OBJ TO CONFIRMATION


Recommend confirming at $2,075 paid, Lump sum payment $1,500 by 10/8/25, $1,353 x 56 begin 11/1/25; 100% to gucs with a min. div. $41,126 due to non-exempt equity
- Within 7 days must file Pre-confirmation certification with the Court.
- Add to confirming order any dismissal of this case should trigger a 6 month bar to re-filing. This is the 3rd filing in 1 year.

1. Debtor in arrears $2,425, made total payment $2,075, 1.84 out of 4 payments, last payment $1,125 made 9/18/25.

2. ISSUES WHICH REMAIN UNRESOLVED SINCE LAST HEARING:
- Must amend Sched C to take all the proper exemptions on all assets, plus amend Sched A/B to add on #17 Bank of America acct funds $7,771 and take exemptions on Sched C. TRUSTEE TAKES D(1) AND D(5) TOTAL EXEMPTION $33,250 ON HOME LEAVING NON-EXEMPT EQUITY $37,355 AND $7,771 IN BANK ACCT TOTAL NON-EXEMPT EQUITY $41,126. TOTAL UNSECURED CLAIMS FILED $3,845.38.
- There is non-exempt equity in the residence $110,918 and $7,771 in Bank of America acct#0010. Must amend Sched C to determine the non-exempt equity.
- Any dismissal of this case should trigger a 6 month bar to re-filing. This is the 3rd filing in 1 year.

As of 8/21/25 (DS): Debtor requested adj request denied, does not get consent of obj creditor

8/27/25 (DS): 1. Trustee obj to the following:
- Must amend Sched C to take all the proper exemptions on all assets, plus amend Sched A/B to add on #17 Bank of America acct funds $7,771 and take exemptions on Sched C.
- There is non-exempt equity in the residence $110,918 and $7,771 in Bank of America acct#0010. Must amend Sched C to determine the non-exempt equity.
- Any dismissal of this case should trigger a 6 month bar to re-filing. This is the 3rd filing in 1 year.

2. Selene (CORY WOERNER) obj to plan proposing adequate protection payments $950 x 60 to be paid by Tr
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-16967 / MBKJoseph Casello, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $2,850.00
AS OF 10/1/2025 (at):

NO TRUSTEE PAYMENTS AND NO CAR INSURANCE.

1. Objection filed by Credit Acceptance (2013 Honda Accord) - plan proposes to pay 0% interest. Creditor wants 9.5% interest. Creditor wants adequate protection payments and proof of insurance. (UNRESOLVED)

2. Objection filed by Credit Acceptance (2020 Chevy Equinox) - plan proposes to pay 0% interest. Creditor wants 9.5% interest. Creditor wants adequate protection payments and proof of insurance. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - . September and October 2025 pay stubs. (when debtor returns to work) (NOT RECEIVED)
- Amendments to Schedules J to remove cars being paid through the plan. (NOT AMENDED)
- The debtor must provide updated proof of auto insurance for the 2020 Chevy Equinox , 2022 Chevy Equinox and 2013 Honda Accord. The policy provided expires on 8/1/25. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$520, $397 and $684/month car payments (cars are being crammed/paid through the plan)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,684 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Credit Acceptance and GM Financial. (CERT OF SERVICE NOT FILED - CREDIT ACCEPTANCE FILED AN OBJECTION. NEED SERVICE ON GM FINANCIAL)
- Need HUD-1/Settlement Statement from the sale of Atrium Dr property approximately one year ago. (NOT RECEIVED)

Plan proposes: $950 x 48 beginning 8/1/2025, base
Payments: 0/3, arrears $2,850
Email InquiryMatter ResolvedRequest
Adjournment
17011/19/2025 10:00 am25-17204 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,235.00
updated 10/8/2025 (JMA)
issues as of 10/7/2025 (JMA) - received email that documents have been filed, not in case
-Modified plan proposes payments for 62 months - need to amend Part 1a
-Form 22c has not been amended

AR SAME AS LAST HEARING !
1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Excessive expenses on 22C: Line 9 Housing Utilities $2065 (Sched J list no expenses), Line 16 Taxes $1,828.76 and Line 17 Involuntary deductions $414.54 (Does not agree with Sched I deductions), Line 22 Additional healthcare $32 (Not on Sched I or stubs), Line 23 Optional tele $330, Line 30 Additional Food/clothing $52, Line 33d Travel Trailer $850 and ATV $303 and Line 35 $3,901 (Tax claim filed for less). There would be disposable income on Line 45.
- Excessive expenses on Sched J: Cell Phone $330, 2022 Travel Trailer for $850 a month for recreational purposes, Debtor ATV $303 for recreational purposes, 2023 GMC Sierra $1,446, spouse ATV $200 for recreational purposes, Car insurance $400 (verifies $309), Rental tools $236.50, Pet Care $200 and Spouse credit cards $450. Must provide proof of expenses 10 days prior to confirmation.
- The Plan needs to run 60 months pursuant to the B22C form. MODIFIED PLAN IS PROPOSING 62 MONTHS WHICH TIER SHOULD BE CORRECTED?

proposed plan $1,245x36 base plan
paid in $2,500
arrears $1,235
last claim 24-1
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-17204 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 2 of 3 required payments   Arrears: $1,235.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-17497 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $751.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-17526 / MBKRobert Cameron Legg, Esq.Final ConfirmationPending WorkupDebtor has made 1 of 3 required payments   Arrears: $2,816.00
AS OF 9/22/2025 (at):

1. Leisure Village West filed a bifurcated claim which needs to be resolved. (Secured $19,270.50 and unsecured $2,606.79)

2. The IRS filed an estimated claim for 2021 which needs to be amended.

Plan proposes: $1,408 x 60 beginning 8/1/2025, not less than $19,009.35 to unsecured creditors
Payments: 1/2, arrears $1,408
Email InquiryMatter ResolvedRequest
Adjournment
20311/19/2025 10:00 am25-17562 / MBKRonald E. Norman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $840.00

AR PAYMTS MUST POST - ONE PAYMENT POSTED 9/16/2025 $240, ANOTHER PAYMENT MADE 9/15 $300 WILL NOT POST UNTIL 9/22/2025
issues as of 9/10/2025 (JMA)

1) American Honda Finance Corporation (Stewart Legal Group) objection to confirmation - NEED TO RESOLVE
- Creditor objects to the proposed interest rate of 9/0% because the current US Prime Rate is 7.50%. The appropriate rate of interest is 10.50%.
2) Trustee objection to confirmation - NEED TO RESOVLE
- 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 $1,870.72.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,267.00 when determining disposable income.
- Need a consent order for the trustee to pay American Honda adequate protection payments.
3) CHC Princeton LLC D/B/A Addison at Princeton Meadows filed a priority claim in the amount of $500. CHC Princeton's claim also proposes payment of $5,085.63 unsecured rental arrears. Debtor's attorney needs to review claim and advise Trustee how they wish to treat CHC Princeton.
4) To date debtors have failed to make Trustee plan payments, arrears to date total $1,080.

proposed plan $540x60 base plan
paid in $0
arrears $1,080
last claim 9-1

RESOLVED ISSUES:


- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor must provide proof of auto insurance for the 2020 Honda CRV. RESOLVED, PROOF OF COVERAGE PROVIDED GOOD THROUGH 1/18/2026
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-17578 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $2,000.00
As of 10/3/25 (DS): Debtor atty requested adj to allow more time to resolve obj

As of 10/2/25 (DS): If objections resolved with all creditors need to confirm at $2,000 x 3 begin 8/1/25, $2,129 x 57 begin 11/1/25; 100% with a min. div. $115,153 to gucs due to non-exempt equity;
- Trustee ok to pay arrears claim#14-1 $2,573.48.
- Student loans to be treated outside.

1. Trustee obj to the following:
- Excess expenses on Sched J: $450 Home maintenance, $400 Electricity, $720 Tele/ Cell/Internet, $1,200 Food, $400 Clothing, $1,200 Transportation, 2 car payments $1,026.88 & $880, $530 Gym membership, $400 Pet care/food. Must provide proof of expenses 10 days prior to confirmation. PLAN PROPOSE 100%
- There is $115,153 non-exempt equity in the residence.

2. NewRez (GAVIN STEWART) obj plan propose $0 arrears, POC filed with arrears $2,573.48. Obj must be resolved. Trustee ok to pay?

3. Igor & Irina Shubov (DAVID BESLOW) obj that a settlement agreement was filed to pay. Plan propose to pay 100%, POC filed as unsecured $34,773.93. To be paid 100% as unsecured.

Prop Plan $2,000 x 60 begin 8/1/25; 100%
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-17631 / MBKJoseph Casello, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/2/2025 (at):

1. 341 is scheduled for 10/30/2025.
2. Payments: 2/3, arrears $1,211
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-17952 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,389.00
AS OF 10/2/25 (SF) DEBTOR IS NOT CURRENT WITH PAYMENTS ARREARS: $1851 THRU OCT

1. Burlington County Community Action Prog has not file a claim yet for rental arrears. The bar date expires on 10/8.


2. Trustee objection:

- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C: Proof of income verifies higher, there is disposable income $2,017.

- Carvana filed a bifurcated claim, no arrears (plan propose to pay arrears, secured $18,000 and unsecured $2,516.88. Must resolve the claim. (NO ARREARS)


Plan proposes $925 x 55 Base
Payments: 1/3 Arrears: $1851

RESOLVED:

- The debtor has failed to file the required Pre-Confirmation Certification
Email InquiryMatter ResolvedRequest
Adjournment
18211/19/2025 10:00 am25-18087 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $545.00
AS OF 10/3/2025 (at):

RECOMMEND: $1,090 PAID TO DATE, $1,200 x 57 BEGINNING 11/1/2025, BASE
- Preserve non exempt equity of $10,651 in real estate.
- Preserve non exempt equity of $1,114 in personal property.

Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
1st mtg $1,138 (statement has $569.27), 2nd mtg payment $600 (statement has $225), Food $500 and Auto insurance $75 (verifies $60).
- 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):
- After deducting excessive expenses disposable income verifies $1,503.
- 22C has disposable income $674.75, which would require min. div, $40,485 to gucs.
- 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 $10,651, Credit Union savings $5 and Credit Union Checking $1,109 total $11,765.

Plan proposes: $545 x 60 beginning 8/1/2025, base
Payments: 1/2, arrears $545
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-18137 / MBKJoseph Casello, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $100.00
As of 10/6/25 (DS): Debtor atty requested adj 341 sched 10/16/25, $100 payment made 10/6/25
Email InquiryMatter ResolvedRequest
Adjournment
19411/19/2025 10:00 am25-18338 / MBKDavid A. Semanchik, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/3/25 - May need to be adjourned due to Shutdown 2025 Order

1. Adv. Complaint filed to determine dischargeability of debt per property settlement in divorce. There is a judgment for $49,485 which is debt incurred on ex-wife's mother's credit card.

2. Objection filed by Katherine Griffin (Broege) - failure to provide for payment of DSO claim in the amount of $62,575.92 (MUST RESOLVE)

3. Trustee objection:

- The debtor has insufficient income. Verified income leaves monthly disposable income of $272.09. Need e-wage.

- Need Domestic Support Obligation information for Katherine Griffin. (A CLAIM HAS BEEN FILED)

- The attorney's fees in the plan ($2,313) and the disclosure statement ($1,563) do not agree.
One of these must be amended.



Plan proposes $1050 x 60; 100% Plan
Payments: 1/2 Arrears: $1050

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-18431 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/3/25 (DS): Debtors atty requested adj to allow time to resolve all issues

As of 10/3/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income. Disposable income verifies $663. Need E-Wage.
- Must provide statement for the AGA stock acct, balance statement for Debtor's "Loan R for $250 weekly" through employer and name of attorney handling claim against illegal debt adjuster.
- Zillow values the property at $469,300. Equifax values the property at $286,300. Need
explanation for large difference in value. PER ZILLOW 2 OF THE COMPS ARE HIGHER, SPAR AVE WAS SOLD 5/12/25 $530,000 AND MIZZEN AVE IS PENDING SALE $489,900. 3RD COMP OAK ST WAS SOLD 12/2024 $300,000. USING ALL 3 COMP AVERAGE $439,967.
- There is estimated non-exempt equity in the residence $39,882, using Zillow value would be $67,576.

Prop Plan $1,249 x 60 begin 9/1/25; $0
Note: Service to Ally ok. Updated auto insurance and Co-Debtor 401(k) loan balance statement provided and does not end to month 40.
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-18627 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 10/3/2025 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Need a statement for the 401k loan. 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): Verified income leaves monthly disposable income of $1,075.91. DUE TO EXCESS INCOME DEBTOR PLAN PAYMENT SHOULD INCREASE TO $861 GOING FORWARD
- The IRS filed an estimated claim which needs to be amended. NOT AMENDED TO DATE

proposed plan $685x60 0% plan
paid in $1,370
last claim 4-1

RESOLVED ISSUES:

- The debtor must provide proof of auto insurance for the 2017 Honda Accord. RESOLVED, PROVIDED POLICY GOOD THROUGH 11/16/2025
Email InquiryMatter ResolvedRequest
Adjournment
20211/19/2025 10:00 am25-18828 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $300.00
As of 10/7/25 (DS): 1. Debtor has not made any Trustee payment for Sept. Made 0 out of 1 soon 2. PAYMENT MADE 10/6/25 $300 VIA TFS

2. Trustee obj to the following:
- Must provide 2 months bank statements from TD Bank, PNC Bank accts#4816 and #4824 (shown on PNC Bank acct#4808).
- Must amend Sched I to add new job and provide 2 months proof of income from new job to begin week of 9/15/25.
- Must resolve IRS estimated tax claim, 2024 not filed. AMENDED CLAIM FILED 10/7/25, NO LONGER ESTIMATED, OWED $502.99, LISTED IN PLAN AS UNKNOWN, TRUSTEE TO PAY.

Prop Plan $300 x 36 begin 9/1/25; Base
Note: PNC Bank statements for #4808 from 7/15-8/13/25 provided has $830 1/2 interest. Plan already has student loans to be treated outside.
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19122 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19172 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $5,650.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19209 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $980.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19309 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19325 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19337 / MBKFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19356 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $350.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19379 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19401 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $163.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19405 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $815.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19442 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19456 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,845.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19491 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19515 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19542 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,250.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19573 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19574 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,400.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19587 / MBKCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19610 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $900.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19630 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19721 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $510.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19752 / MBKHoward N. Sobel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19763 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19786 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $884.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19812 / MBKJuan C. Velasco, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,617.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19823 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $618.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19851 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19923 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $834.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19954 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $152.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-19989 / MBKErik Frins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $402.00
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-20070 / MBKErik Frins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 10:00 am25-20891 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Case severed from 25-13539 / MBK per order entered 10/14/2025
Email InquiryMatter ResolvedRequest
Adjournment
011/19/2025 2:00 pm24-12578 / MBKKarina Pia Lucid, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes