ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 11/26/2025
Last Updated: 10/17/2025 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
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Adjournment
211/26/2025 9:00 am18-33317 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupDebtor obj<>ARREARS/PLAN BALANCE $2,576.83
1 mos left
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Adjournment
511/26/2025 9:00 am19-28171 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filedanother 434 on way

ARREARS now $868 giving credit for a Payment posted 10/6/25

Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am21-18442 / CMGJavier L. Merino, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
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Adjournment
011/26/2025 9:00 am22-19783 / CMGRobert Manchel, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN APPV 401K LOAN
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Adjournment
1511/26/2025 9:00 am23-12006 / CMGSteven J. Abelson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupDebtor obj<>ARREARS1,005 last pay 7/31/25
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Adjournment
011/26/2025 9:00 am23-14949 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
1911/26/2025 9:00 am23-15701 / CMGMelinda D. Middlebrooks, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party MatterMTN EXPUNGE CLM #10-2
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Adjournment
1811/26/2025 9:00 am23-15701 / CMGMelinda D. Middlebrooks, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objectionsmotion to expunge claim# 10-2 on 10/15
and to be be current by 10/15( arrears as of 10/10 $829)


Debtor obj<>FAILED TO RESOLVE #10-2(7/2024) FILED AFTER LM ORDER(5/2024) FOR SAME PRE PET AMOUNT AS #10-1.; ARREARS$ 829 as of 8/28/25
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Adjournment
2311/26/2025 9:00 am23-16235 / CMGJoseph Casello, Esq.Creditor Certification of Default3rd Party MatterDebtor obj, under contract to sell<>CARRINGTON (Friedman Vartolo)

J. Casello - now appt"d as debtor atty-
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Adjournment
011/26/2025 9:00 am23-19177 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterSELECT PORTFOLIO (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am23-19177 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am23-19333 / CMGBruce W. Radowitz, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
3211/26/2025 9:00 am24-10161 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupDebtor obj<>ARREARS $1,600(Oct Payment) as of 10/10/25
Email InquiryMatter ResolvedRequest
Adjournment
3411/26/2025 9:00 am24-11448 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupDebtor obj<>ARREARS/NOT PAYING CORRECT PLAN PYMT AMOUNT

arrears as of 10/10/25 $1,174.75
Email InquiryMatter ResolvedRequest
Adjournment
4011/26/2025 9:00 am24-14776 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupARREARS $200 as of 10/6
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Adjournment
4411/26/2025 9:00 am24-16939 / CMGLaurence R. Sheller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS $2,467 as of 10/14/25; ADDRESS IRS LATE FILED CLM #7
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Adjournment
011/26/2025 9:00 am24-17357 / CMGMichelle Lee, Esq.Motion Motion (Generic) - Only use if no other event is applicable3rd Party MatterMTN ALLOW PAYMENTS
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Adjournment
4511/26/2025 9:00 am24-17450 / CMGDaniel E. Straffi, Esq.Creditor Certification of Default3rd Party MatterAMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<> NEWREZ/Harbor Rd (Stern & E)
Email InquiryMatter ResolvedRequest
Adjournment
4611/26/2025 9:00 am24-18161 / CMGMelinda D. Middlebrooks, Esq.Creditor Certification of Default3rd Party MatterDebtor obj<> NISSAN (Stewart)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am24-18612 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am24-19559 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
5411/26/2025 9:00 am24-20040 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupARREARS 3,480 as of 10/10/25- NEEDS TO ADDRESS ONEMAIN #5-3/NO DEFICIENCY STATED IN CLAIM

debtor opp'n-has supplied attys w /info for amended I &J and asked for a MP- says working on amended I & J and suppling pay stubs..

>>DEBTRO NOT PAYING FULL TR PAYMENT CONFIMED PLAN AT $1,003 PER MONTH. STIILL PAYING THE PPSED PLAN AMT OF $568
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Adjournment
011/26/2025 9:00 am24-20051 / CMGLee M. Perlman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> NEWREZ/Colonial Dr ( Hill Wallack)
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Adjournment
011/26/2025 9:00 am24-20200 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am24-21169 / CMGAmy Lynn Bennecoff Ginsburg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
5611/26/2025 9:00 am24-21215 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP filed 10/8/25- prb be on 11/26- NEEDS ADJ REQUEST ON THIS TR MOTION

- to remove LM and make it a sale plan and removes NJ payment

Debtor obj<>FAILED TO LM BY 4/15/25, EXTENDED LOSS MIT EXPIRED 9/3/25
Email InquiryMatter ResolvedRequest
Adjournment
7911/26/2025 9:00 am24-21366 / CMGEugene D. RothMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor has new sale K signed 9/15
sale price 407,000



PRE CONF CERT FILED BUT NO SALE MOTION AS OF 9-20
Debtor obj<>FAILED TO FILE PRE CONF CERT BY 3/17/25; FAILED TO SELL MYRTLE AVE BY 7/1/25; SALE ORDER ENTERED 5/23/25 EXPIRED AFTER 60 DAYS

mk: pre conf cert filed. sale K fell through. has new buyer that will pay of 100%
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-11561 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-12109 / CMGRobert Cameron Legg, Esq.Motion SellNo Opposition Filed27 WATERS EDGE

Needs realtor and sp. counsel appt

Parg 6 of order not checked- NE proceeds to cove T/H equity have to be paid to TR- debtor wants to use all the proceeds to buy new home and continue with the plan and not have any of proceeds go to TR


mk plan confirmed at base w/ min to gucs of 113,559 due to equity in real property
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-12475 / CMGCandyce I. Smith-Sklar, Esq.Motion Avoid LienNo Opposition FiledMTN TO AVOID LIEN/CAP ONE (DC-007121-18)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-13531 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-13866 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterM&T BANK (BROCK & SCOTT)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-13866 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-14684 / CMGAndy Winchell, Esq.Motion Relief from Stay (Fee)3rd Party MatterFAY SERVICING (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-15950 / CMGAndre L. Kydala, Esq.Notice of Hearing Re: Debtor's Failure to File Schedules Post ConversionJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-18074 / CMGDavid A. Semanchik, Esq.Motion Relief from Stay (Fee)3rd Party MatterSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 9:00 am25-20738 / CMGEdward Hanratty, Esq.Motion Approval to Participate in the Court's Loss Mitigation Program3rd Party MatterLOSS MIT/SANTANDER BANK
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am24-15091 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 17 of 17 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am24-15390 / CMGDarin D. Pinto, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 15 of 17 required payments   Arrears: $4,766.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am24-17357 / CMGMichelle Lee, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 13 of 15 required payments   Arrears: $190.00
Motion to Pay exeter being filed

atty wants adj to file motion to pay car that was perv surrendered in confirmed plan

AS of 9/30/25(mk):

SAME AS BELOW

AS of 8/26/25(mk): NO MOTION WAS EVER FILED PER #1 BELOW
Tr sent Exeter a letter in March 2025 stating auto was surrendered and we do not pay claims of surrendered property unless claim is amended to an unsecured deficiency balance- WHERE IS THIS AUTO NOW?


Mk: atty to file motion re: auto

As of 7/16/25(mk):

1. Trustee Objection:
-Plan proposes to now pay Exetor Finance on a 2014 Ram truck that was surrendered in a prior confirmed plan via a cram in part 4 of plan( not in part 7) A SEPARATE MOTION MUST BE FILED ON THIS AND PROPERLY SERVED UPON THE CREDITOR

- need fee app for supp fees

-plan payment is increased as of date above no amended i & J nor updated proof of income has been filed


MP proposes PTD $4125 (10mos); $785 X 50; BASE
ADDED EXECUTOR CAR TO BE PAID THRU THE PLAN INSTEAD OF SURRENDER
ADDED ATTY FEES. Plan has run 12 mos and 48 remain


---------------------
March 2025 prior conf:3150 PTD (8 MOS) $504 X 52 BEG 4/1/25 ; BASE $29,358 ; ATTY FEE $4850/$4850 ; MTN
OTBS FROM SANTANDER W/IN 30 DAYS OF CONF
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Adjournment
011/26/2025 10:00 am24-19041 / CMGPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 8 of 13 required payments   Arrears: $5,500.00
As of 9/23/25(mk):updated

1. TR Objection:
No amended I & J Filed 9/22/25


per atty she's surrendering car and will need replacement vehicle so amendned j will be needed again



see updated pay stubs but no amended I and J

MP proposes:$1100 X 8; $600 X 52; MIN $12,362
REDUCTION IN INCOME AND SURRENDERING THE CAR



Prior Conf:$1100 X 60 BEG 10/1/24 ; BASE $66000 W/MIN $12,362 TO GUCS DUE TO NE EQUITY ; ATTY FEE $4050/$4600 ; OK TO PAY NIP CLAIMS 4-1 & 13-1 ; MTN
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Adjournment
011/26/2025 10:00 am24-21215 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 10 of 11 required payments   Arrears: $92.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-10096 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 6 of 9 required payments   Arrears: $330.00
final adj to 9/24:PEREMPTORY for new counsel or confirm or D

mk ;adj by Ct to 8/13 to allow time for new counsel

AS OF 10/8/25(mk):

>>ARREARS are $330. last pay August


>>CASE HAS 5 UNSECURED CREDITORS AND BAR DATE HAS PASSED. DEBTOR PAYS VIA MONEYGRAM SO BK ACCT ISSSUE IS MOOT

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

1. Trustee Objection:
- None of the income letters are certified. DEBTOR IS NOW CURRENT
- certification from debtor as to Bank account closing with date and
address how she handles the money she receives and how does she
pay bills ?
- proof of payment for rent lease or certification from landlord. debtor
testified the rent is $4,200 per month. Sch J says $500. Needs
explanation
- Need to file Pre-Confirmation Certification.
-Needs TR std order of distribution.
- need fee app for hourly fee 7 days from confirming order(ATTY W/D)
- Need most recent full statements for Lakeland Bank #8506(mk: debtor testified has not had a bank acct since 8/2022)

Plan:$110 X 36; BASE
5/5 payments

----------------------RESOLVED_-----------------------------
6/2/25: New counsel for debtor who has requested more time to amended the adv pro complaint and vacate dismissal of the adv pro.

5/28/25(mk):debtor is pro se now as atty has w/d. and the ADV.PRO has been dismissed per Order entered at #29 on 5/27/25. ADV PRO IS BACK- waitng for amneded Order
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Adjournment
011/26/2025 10:00 am25-11291 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 8 required payments   Arrears: $485.00
11/26/25 PEREMPTORY

AS of 10/3/25(mk):

>>Arrears $969

1. IRS ESTIMATED UNSECURED CLAIM- no 2019 return.

2. Trustee obj:

- debtor's income is insufficient and
- Must provide pay stubs from Debtor for new job he took in March - we only have 2 checks for April and have requested updated pay information since TR objection to confirmation filed in April 2025.

Plan $484.68 x 60 begin 3/1/25; Base
Note: 2024 Tax return provided 5/16/25. Tax refund no issues since disposable income verifies -$232.
6/8 payments

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

- Plan fails to propose prompt cure of landlord arrears. Add lang for prompt cure- order extending stay says pre pet to be paid w/in 36 mos

>>MFR Santander (Eisenberg) on for 8/13/25 OTBS outside cure

MFR filed by Landlord, Woodbine Living, Debtor in arrears, sched 5/21/25. COTBS $9,664 PRE-PET ARREARS TO BE PAID BY TRUSTEE AND POST-PET $240 TO BE PAID BY DEBTOR
Email InquiryMatter ResolvedRequest
Adjournment
11011/26/2025 10:00 am25-11413 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 8 required payments   Arrears: $1,500.00
PEREMPTOY FOR 11/26

10/15/25 - Copy of receipt provided with no payment information listed
atty says 24 return filed IRS took refund


AS OF 10/8/25 (SF) Debtor hasn't made a payment since August

May need to adjourn because of estimated IRS claim

Note: The Citizen's Bank objection was resolved via order dated 6/9/25 to pay $15,065.61 arrears through the plan. The claim was amended on 9/12/25 to $18,949.75 (OK TO PAY?)

atty has no obj to 100% 10/15 PEREMPTORY


7/22/25:- atty is working on APOC w/ IRS. no conduit on 2nd mtg


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

2. Trustee Objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$850/month for utilities (JCPL IS $340 per month. Cannot include past due amounts)
$660/month for cable/internet/phone (cable is $332)
$2,000/month for health insurance
$675/month for car insurance ( Premium is $4357 for 6 months)
4 car payments - $422, $408, $241 & $215 (4 car payments are not allowed)
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $7,954.29. (UPDATED PROOF OF INCOME SHOWS DISPOSABLE INCOME OF $8106) WILL NEED 100% PLAN

atty has no obj to 100% 10/15 PEREMPTORY


- There is $195223.14 in non exempt equity in the residence. (Will change when IRS claim is resolved)



Plan proposes $500 x 60 Base w/Min $122,000 to gucs; Refinance by 1/1/26
Payments: 5/8 Arrears: $1500

RESOLVED:
- Need a mortgage statement for the Citizens Bank mortgage. (Claim filed)
- Need a copy of the last filed tax return - for 2024 by 5/15/2025. (RECEIVED)
- Objection filed by Citizens Bank (Lubin) - failure to pay arrears of $15,065.61 -COTBS, pay arrears
- Need a copy of the homeowner's insurance renewal declaration - . Policy provided expires on 6/11/25. (RECEIVED)
- JPMorgan Chase filed arrears claim 20-1 in the amount of $1659.57 which is not addressed in the plan. (OK TO PAY?) mk YES PAY
-
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-12475 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 7 required payments   Arrears: $0
debtro and creditor want it adj to 11/26
as OF 10/10/25 (MK):

claims motion to allow late claim for Cap one to be paid filed on 10/15/25- needs revised order

>>Motion to Participate in Loss Mit on 11/5/25- Plan has LM by 12/25/25....


MP filed 8/7 still has LM and pay partial arrears pending LM- now says in part 10 of plan that debtor applying for ERMA plan says :Debtor will be applying for a loan modification/ERMA funding. If debtor fails to
receive either a loan modification or ERMA funding , debtor will support the
second tier with contributions from daughter.

This is all too speculative Case is 7 mos old.

> CREDITOR OBJ STILL NOT RESOLVED. This was s a 1 creditor case except debtor atty has filed 2 late claims for creditors - 1 of which is attempting to be avoided in the plan...


1. SPS (CHARLES WOHLRAB) obj to loan mod. ( the MP does not resolve this)

2. 2 claims field late by debtor atty . 1 is for Cap One- and Plan avoids the lien- ..
and 1 unsecured claim for credit collection- need a motion to allow this lates claim or add language - THIS IS ONLY UNSECURED CLAIM- DOES DEBTOR WANT THIS TREATED IN PLAN?

3.Updated rental income provided 10/8/25. Dispo income is 1,343 still not enough to fund the higher tier of plan.

Prop Plan $240 x 5, 300 x 4, 2.403.13 x 51; Base and Loan mod on 23 S. Westfield Ave by 12/2025- pay partial arears pending LM
6/7 payments

-------------------RESOLVED-------------
Note: Updated auto insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-12881 / CMGJoseph Casello, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 7 required payments   Arrears: $63.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-13041 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 7 required payments   Arrears: $0
8/29: adj request - waitng for decision form NJ Appellate Div. 1126/25 PEREMPTORY

AS of 8/28/25(mk):

Case is now 5 mos old

SV was granted on Birch Ave prop that debtor does not own to appeal the that sale.

1. Objection by Wilmington Sav( Romano G & Argentieri):
Birch Ave Prop.
-Plan fails to treat creditor and creditor can't be bound by plan
as this property was sold

2. Plan has PEN FERERAL as unaffected- they filed POC $916.64- OK TO PAY

3. Trustee Objection;
- plan has Student loans to be forgiven and outside plan- STRIKE PLAN LANGUAGE FORGIVEN- THEY WILL BE TREATED AS OUTSIDE THE PLAN
- Need a profit and loss statement for Fidelity day trading income for 6 months before filing
-Debtor has excess disposable net income.
-The Plan needs to run 60 months pursuant to the B22C form.
-need will of cousin who passed and he is executor. need information on assets and or
certification explaining situation.


As of 7/15/25 (DS): Debtor atty requested adj to allow time to hear appeal filed with NJ Appellate Division.

>>Application filed to retain professional (realtor)to evaluate all 3 properties .

Plan:1000 x 36 100% liquidate Fidelity Brokerage Acct
student loans outside

-----------------RESOLVED----------------------
>>MFR on Perryville Rd( Padgett) property on 9/3/25 OTBS:Current through July . August payment in transit . resume payments in September. $550 $199 counsel fee to movant paid through plan

objections by Deutsche bank (Padgett Law)for Perryville RD prop.(RESOLVED w/ Order)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-13870 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-16030 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,347.00
As of 10/7/25(mk):3/4 payments Arrears $1,346.90

Work up on Plan #14

>>MFR BY Lakeview on 11/6/25

1. Lakeview Loan (BROCK & SCOTT) obj to creditor not in plan, no arrears in plan and sale.

2. Ally Capital (LAURA EGERMAN) obj to Cram amount in plan not correct and interest.

2. Trustee Obj:
- Must provide updated CMA with comps that are similar in size of residence (2 properties were small in size and less rooms and another was sold for more, not what is listed on CMA. Zillow values $607,500.) and property settlement agreement

-NEED A SELL BY DATE FOR Real Property.

- Debtor has insufficient income. Disposable income verifies $1,229, plan propose $1,260.37. Income is fixed. How is plan feasible?

- Trustee payment will need to be much higher, due to non-exempt equity on real property and car claim.

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


Prop Plan $1,261 x 60 begin 7/1/25; Base and Sale of RE per part of divorce
2/4 payments

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

Note: Service to Ally Capital done 7/14/25. TD Bank acct statements and auto insurance for 2023 Chevy and 2006 Cadillac provided.
Email InquiryMatter ResolvedRequest
Adjournment
13411/26/2025 10:00 am25-16063 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $150.00
>>Motion to Dismiss case as to Debtor Frederick Reight ONLY and case to continue for Lucia - Hearing date 11/5/25(mk)

AS OF 10/8/25 (SF)


9/24/25- debtor has passed away needs time to determine next steps


1. 341 not held - MISSING DOCUMENTS

2. PAYMENTS: 3/4 Arrears: $150

Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-16631 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $324.00
9/24; atty just got appraisal - needs to review- ONCE ISSUE IS RESOLVED, case can be worked up


10/8/25(mk)

>> Waiting on order on car cram resolution to work up.

1. Nissan (GAVIN STEWART) obj to cram. Must resolve obj.

Prop Plan $324 x 60 begin 7/1/25; $0
3/4 payments


-----------RESOLVED---------
- INCOME IS NO LONGER AN ISSUE AS TPAF LOAN $1,267 ENDED JUNE 2025, ADD BACK AND DISPOSABLE INCOME VERIFIES $466.
Email InquiryMatter ResolvedRequest
Adjournment
14311/26/2025 10:00 am25-17054 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $500.00
AS OF 10/9/25 (SF)

NOTE: IRS AND STATE OF NJ ARE STILL ESTIMATED BUT DEBTOR HAS NOT PROVIDED COPY OF 2024 RETURN. MAY NEED TO ADJOURN AGAIN BECAUSE OF GOV'T SHUTDOWN

1. Objection filed by Pennymac Loan (Douglas McDonough) - failure to pay arrears of $21,114.36

2. Trustee objection:

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

- A copy of the last filed tax return - for 2024 prior to confirmation. (STILL NEED)

- Need a statement for the Robinhood account.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$5,759/month mortgage payment (per statement the payment is $5,169)

- There is $5,750 in non exempt equity in the residence.

- The IRS and St of NJ filed an estimated claim which needs to be amended. (STILL NEED BUT DEBTOR HAS NOT PROVIDED COPY OF 2024 RETURN)

Plan proposes $500 x 18; $925 x 42 Base Plan
Payments: 2/3 Arrears: $500



Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-17172 / CMGMichael P. Otto, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $462.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-17240 / CMGMarc P. Feldman, Esq. Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
14611/26/2025 10:00 am25-17277 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/2/2025 (at):

1. Objection filed by LoanDepot.com (Brock & Scott) - failure to cure full arrears of $41,740.27. (RESOLVED - ARREARS TO BE CURED THROUGH A LOAN MODIFICATION BY 2/1/2026)

2. Objection filed by Santander Consumer (Eisenberg Gold) - objecting to the cram value in plan of $6,500. Creditor wants $15,250 plus interest of 9.5%. (UNRESOLVED)

3. Trustee's objection:
The debtor has not filed the required Pre-Confirmation Certification. (FILED)

Plan proposes: $400 x 12 beginning 8/1/2025, $1,000 x 48, loan modification by 2/1/2026, base
Payments: almost 2/3, arrears $224

Email InquiryMatter ResolvedRequest
Adjournment
14711/26/2025 10:00 am25-17329 / CMGLaurence R. Sheller, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $350.00
AS OF 10/8/25 (SF)

1. Objection filed by Lakeview Loan Svc (RAS) - failure to pay arrears of $18,267.87 (Claim filed with arrears of $20,599.59) (MUST RESOLVE)

2. Trustee objection:

- The debtor has insufficient income.

- Need June and July bank statements for PNC account 5507.

- There is $5,723 non-exempt equity in the residence. (Claim is higher. Nonexempt equity is now $4276)

- There is $3,266 non-exempt equity in the bank account. (Schedule C Amended. nonexempt equity is now $1651)


Plan proposes $350 x 60 Base
Payments: 2/3 Arrears: $350

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Amendments to Schedules C to exempt personal property. (Amended)
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-17493 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 3 required payments   Arrears: $181.00
Email InquiryMatter ResolvedRequest
Adjournment
14911/26/2025 10:00 am25-17610 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 10/7/2025 (JMA)

1) PennyMac Loan Services LLC (Powers Kirn) objection to confirmation - ORDER RESOLVING OBJECTION TO CONFIRMATION. PAY ARREARS OF $1,918.64 THROUGH PLAN
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income, verified negative $165.47
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis - comps in CMA are outside of the 6 months before filing (closed Feb, March and November 2024). Need comps from January-June 2025. 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): Excess expense $885/car payment. NOT PROVIDED

proposed plan $200x60 minimum to gucs $7,098
paid in $400
last claim 3-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
Email InquiryMatter ResolvedRequest
Adjournment
15211/26/2025 10:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $646.00
As of 10/10/25 (DS): Debtor atty requested adj to allow more time to resolve all issues and will be filing a mod plan

As of 9/22/25 (DS): Debtor atty requested adj to allow time to resolve all issues

As of 9/17/25 (DS): 1. Trustee obj to the following:
- Must provide pension loan balance statement prior to filing date.
- Service is needed to NJ Manufactured Insurance Co, due to creditor listed on Part 7a of motions to avoid lien.
- IRS filed claim, plan had IRS $0. Trustee ok to pay?
- Must file Pre-confirmation certification.

2. Credit Acceptance-2018 Toyota (WILLIAM E. CRAIG) obj to cram. Must resolve obj.

3. Bank of New York Mellon-1st mtg (DENISE CARLON) obj to arrears owed are more, no POC filed. Must resolve obj.

4. Real Time Solutions-2nd mtg (STEVEN KELLY) obj that plan list mortgage as outside, but claim filed with arrears $56,693.46. Obj must be resolved.

Prop Plan $646.86 x 60 begin 8/1/25; Base

Note: Reviewed the CMA provided and reviewed Zillow and comps used shows dates sold or pending sale, gave estimate $305,000. Zillow valued $356,500. Based on claims filed there is no equity, therefore no updated comps are needed. The bifurcated claim of Credit Acceptance is resolved, due to plan cramming the car.
Email InquiryMatter ResolvedRequest
Adjournment
19811/26/2025 10:00 am25-17731 / CMGSteven J. Sico, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
9/23/25: Insurance for both properties uploaded:

> Woodsend DR is OK.

>Mechanic ST is a multi-unit building- coverage is primarily dwelling insurance

341 now 10/30/25


issues as of 9/12/2025 (JMA)

1) 341 not held, not rescheduled missing docs

proposed plan $6,695x60 base plan
paid in $13,390
last claim 5-1

2) US Bank (KML) objection to confirmation - ORDER SUBMITTED 9/15- PAY POC
- Secured creditor will file claim for pre-petition arrears in the a mount of $166,513.83

Email InquiryMatter ResolvedRequest
Adjournment
15411/26/2025 10:00 am25-17804 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $656.00
B oF A filed a claim about a set off - may need and Adv Pro


AS OF 10/15/2025 (at):

RECOMMEND: $1,312 PAID TO DATE, $868 x 57 BEGINNING 11/1/2025, LOAN MODIFICATION BY 4/15/2026, 100% PLAN
- Preserve non exempt equity of $313,734 in real estate.
- Preserve non exempt equity of $38,105 in personal property.
- Non exempt proceeds from claim against Bank of America are to be turned over to the trustee.

1. The NJ Division of Taxation filed an estimated claim which needs to be amended. (2021) (NO LONGER ESTIMATED)

Trustee's objection:
- Need HUD-1 from sale of Howe Street property (former marital residence.) (RECEIVED)

RESOLVED ISSUES:
- The schedules fail to account for the debtor(s) tax refund in the amount of $1,102 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $313,734 in non-exempt equity in the residence (100% PLAN.) (LANGUAGE ADDED)
- There is $38,105 in non-exempt equity in the vehicles. (LANGUAGE ADDED)
- Confirming order should provide for all non-exempt proceeds from claim against Bank of America. (LANGUAGE ADDED)

Plan proposes: $656 x 60 beginning 8/1/2025, loan modification 6 months after confirmation, 100% to unsecured creditors
Payments: 2/3, arrears $656

Email InquiryMatter ResolvedRequest
Adjournment
15511/26/2025 10:00 am25-17828 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $56.00
341 on 10/30/25
2/3 payments
Email InquiryMatter ResolvedRequest
Adjournment
16411/26/2025 10:00 am25-18242 / CMGRobert H. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/14/25 (DS): Debtor atty requested adj, 341 sched 10/30/25
Email InquiryMatter ResolvedRequest
Adjournment
16611/26/2025 10:00 am25-18261 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,747.00
No 341 -
1/2 payments
Email InquiryMatter ResolvedRequest
Adjournment
16711/26/2025 10:00 am25-18267 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $450.00
As of 10/10/25 (DS): Debtor atty requested adj to allow time to serve creditor

As of 10/9/25 (DS): 1. Trustee obj to must service PNC Bank who is in motions to cram interest.

Prop Plan $450 x 60 begin 9/1/25; $0
Note: Updated auto insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
17211/26/2025 10:00 am25-18391 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $0
Per email from Finberg's office:

10/3/2025 - denied attys. request to adj. 10/15 conf. hearing - no 341; missing documents; no payments - jbd

Confirmation Hearing - NO 341 HEARING (No Docs).

2ND Filing. 1st listing. 1 of 2 payments.

If Debtor submits documents needed to reschedule 341 (2024 Federal Tax Return and Current Photo ID (copy supplied expired in 2024)) and 341 is rescheduled; then Trustee will adjourn. Absent that, Trustee will recommend dismissal.
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-18421 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $0
mk: spoke to debtor - has insurance

As of 10/9/25 (DS): 1. Trustee obj to the following:
- Must provide homeowner insurance with personal liability coverage for both properties, 2024 Tax return and proof of income from new job.
- Must amend Sched I to add new employment.
- Sched C over exempts D(1) on residence by taking $37,700, only permitted to take $31,575 (d)(1) and $1,675 (d)(5).
- There is non-exempt equity in the real estate $154,162, using remainder d(5) $1,615, there would be non-exempt equity $141,437 and non-exempt equity $9,495 in the Pennington Ave property.
- Add to confirming order non-exempt proceeds form PI lawsuit and any non-exempt proceeds from Mercer County Superior to Trustee.
- Must file Pre-confirmation certification.
- Add to confirming order Trustee standard order of distribution.

Prop Plan $1,044.71 x 60 begin 9/1/25; 100%
Email InquiryMatter ResolvedRequest
Adjournment
17611/26/2025 10:00 am25-18601 / CMGEugene D. RothConfirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
as of 10/14/2025 (JMA) - NO TRUSTEE PLAN PAYMENTS TO DATE, ADJOURNMENT REQUEST DENIED, APPEARANCE REQUIRED
issues as of 10/2/2025 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments to date, arrears $5,000

proposed plan $2,500x60 with minimum $92,076.70 to gucs and sale 6 months
paid in $0
arrears 45,000
last claim 5-1
Email InquiryMatter ResolvedRequest
Adjournment
17811/26/2025 10:00 am25-18623 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/8/25 (SF) PLAN IS NOT FEASIBLE.

NOTE: PROPOSED TRUSTEE PAYMENT ONLY PAYS $246,840 AND NEED $489,797 TO FUND THE PLAN WHICH DOESN'T INCLUDE WELLS FARGO MORTGAGE ARREARS.


1. Objection filed by Wells Fargo Bank (Joshua Goldman) - failure to pay arrears of $236,762.87 and speculative loan mod (MUST RESOLVE)

2. Objection filed by the State of NJ (Swan) - failure to provide for payment of secured claim

3. Loss Mit Order expires on 12/8/25

4. Borough of Tinton Falls filed secured claim 5-1 in the amount of $512.69 which is not addressed in plan. (OK TO PAY?)

5. Trustee objection:

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

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

-$1,225/food family of 4

-$1,600 Estimated IRS and State NJ taxes, need to provide proof the estimated payments are
being made to allow deduction on Schedule J.

- Schedule C lists "State of New Jersey for consultations and as Court Appointed Trustee on a
case $18,000 with exemption of $11,397 (what is this deduction?)

Plan proposes $4,114 x 60 Base w/min $1241.11 to gucs; Loan Mod in 6 months
Payments: 2/2



Email InquiryMatter ResolvedRequest
Adjournment
18211/26/2025 10:00 am25-18728 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $350.00
AS OF 10/7/25 (SF)


1. 341 NOT HELD - SCHEDULED FOR 10/30
2. PAYMENTS: 1/2 ARREARS: $350
Email InquiryMatter ResolvedRequest
Adjournment
18411/26/2025 10:00 am25-18911 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,050.00
10/14/2025 (JMA) NEED CONSENT OF OBJECTING CREDITOR FOR ADJOURNMENT OF CONFIRMATION HEARING.
issues as of 10/7/2025 (JMA)

1) 341 scheduled for 10/30/2025 - NEED TO ADJOURN CONFIRMATION HEARING TO ALLOW 341 TO BE HELD


proposed plan $1050x58 100% plan
paid in $1050
arrears $1050
last claim 2-1
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19371 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19382 / CMGThomas G. Egner, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 0 of 1 required payments   Arrears: $278.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19500 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19590 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $700.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19619 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19674 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19740 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19765 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $340.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19780 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $979.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19804 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $800.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19810 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,150.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19825 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,200.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19848 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $800.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19869 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-19911 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,033.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-20060 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,709.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-20082 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $583.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 10:00 am25-20117 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $620.00
Email InquiryMatter ResolvedRequest
Adjournment
011/26/2025 12:00 pm25-15008 / CMGEdward Hanratty, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes