ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 1/28/2026
Last Updated: 1/7/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
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Adjournment
01/28/2026 9:00 am19-10868 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj, will pay<>ARREARS & FEASIBILITY DUE TO NTC OF PYMT CHANGE (CONDUIT)

as of 11/12/25 Arrears 13,392 and plan is in mo 82

atty has Trust ck for 2,700
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am20-18729 / CMGScott E. Kaplan, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> DEUTSCHE (Logs)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am21-18442 / CMGJavier L. Merino, Esq.Motion Impose Automatic StayNo Opposition FiledMTN TO REINSTATE STAY/US BANK
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Adjournment
01/28/2026 9:00 am21-18442 / CMGJavier L. Merino, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections(amt: also, sv was entered 12/5/25)<>

Debtor obj, will pay by 12/31<>ARREARS 2,158.50 as of 12/30/25- recent payment posted

motion to impose stay om 1/28/26

.
Email InquiryMatter ResolvedRequest
Adjournment
111/28/2026 9:00 am22-19572 / CMGJames J. Cerbone, Esq.Trustee Certification of DefaultTrustee Orderamt: $59,027 ptd (37); $ 1,787 x 23 beg 2/1/26 (email to atty)<>


arrears pd/small arrearage<>

Debtor obj<> ARREARS 8,563 as of 11/25/25 last pay June 2025
say took a pension w/d to pay should have $ soon
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am22-20135 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am23-11933 / CMGWarren S. Jones, Jr., Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsdebtor obj>>COMMUNITY CAPITAL 3 (PELLEGRINO)

mk: parties attempting to resolve - adj request to 1/28/26
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Adjournment
121/28/2026 9:00 am23-16235 / CMGJoseph Casello, Esq.Creditor Certification of Default3rd Party Matterdebtor has a sale K and filing a moittion returnable 1/7/25- parties agree to adj to 1/7/26


Debtor obj, under contract to sell<>CARRINGTON (Friedman Vartolo)

Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am23-17584 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am23-20634 / CMGThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am23-20647 / CMGAllen I. Gorski, Esq.Application for RetentionNeeds Resolution of Issues - ObjectionsTrustee obj<>APPLICATION FOR RETENTION OF SPECIAL COUNSEL,
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Adjournment
01/28/2026 9:00 am23-20647 / CMGAllen I. Gorski, Esq.Hearing Document Scheduled3rd Party MatterDebtor has made 22 of 26 required payments   Arrears: $1,042.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am23-21461 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>ARREARS $5,192

Email InquiryMatter ResolvedRequest
Adjournment
211/28/2026 9:00 am24-10010 / CMGYakov Rudikh, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> SANTANDER (Gross McGinley)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-12388 / CMGFrancis P. Cullari, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ/SHELLPOINT (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-12456 / CMGLaurence R. Sheller, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsMTN APPV LM/ROCKET MTG (BROCK & SCOTT)

TR objection: NEEDS CERT OF DEBTRO IN SUPPORT OF MOTION
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Adjournment
01/28/2026 9:00 am24-12596 / CMGMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed (12/16 AMT: PER ATTY, OK TO DISMISS)

FAILED TO FILE MO WITHIN 14 DAYS OF 11/10/25 LM ORDER
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-12852 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections1/28 to be current

Debtor obj, made $3,000 pymt<>ARREARS 1,811 as of 12/9/25

this includes the recent payments posted for 1,900 and 1,100
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-13304 / CMGThomas G. Egner, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterSERVBANK (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-13897 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledDEBTOR FAILED TO LM BY 10/31/25
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-14772 / CMGKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-14776 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS $50

made payment TFS for jan - processing as of 1/6

Feb payment is also set up .once Jan posts Tr motion can be w/d
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-14829 / CMGJames J. Cerbone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> CARRINGTON /Pacific Ave( Hill Wallack)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-15969 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterFREEDOM MTG (BROCK & SCOTT)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-15969 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
281/28/2026 9:00 am24-16085 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledALLY CAPITAL (McCALLA)
2021 Hyndai
Email InquiryMatter ResolvedRequest
Adjournment
321/28/2026 9:00 am24-16900 / CMGVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed

FAILED TO SELL LIBERTY CT PPTY BY 8/15/25; ARREARS 3,947 Last pay 7/8/25

mk: also creditor cert of default filed 11/26/25 by SN servicing
Email InquiryMatter ResolvedRequest
Adjournment
241/28/2026 9:00 am24-17241 / CMGBarbara J. Snavely, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>HYUNDAI CAPITAL (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
341/28/2026 9:00 am24-17670 / CMGJohn Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsCarrington Mtg obj (Hill Wallack)<>MTN EXPUNGE CLMS CARRINGTON MTG

parties trying to resolve-agree to adj to 1/28/26
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-18107 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)No Opposition FiledGOLDMAN SACHS MTG (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-18161 / CMGMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)3rd Party MatterPENNYMAC LOAN (FEIN SUCH)
Email InquiryMatter ResolvedRequest
Adjournment
261/28/2026 9:00 am24-18612 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupMP 1/7<>


FAILED TO LM BY 10/9/25; FAILED TO FILE AMD I/J & PROVIDE POI TO TRUSTEE BY 4/2/25, PER CONF


debtor says working on LM application

Arrears $816 as of 11/25/25
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-19044 / CMGEric J. Clayman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> NATIONSTAR (Pluese Becker)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-19284 / CMGRussell L. Low, Esq.Creditor Certification of Default3rd Party MatterDebtor obj<> SANTANDER (Eisenberg Gold)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-19908 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupAMT: MP 1/7

MP filed 11/19/25 to extend out tier pending the outcome of a loan modification. Plan was modified to add the full pre petition
mortgage arrears as per POC


Debtor obj<>FAILED TO LM BY 10/21/25; ARREARS 5,000 as of 11/12/25
inconsistent pay history

Notice of request for Loss mit filed 11/5/25
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Adjournment
01/28/2026 9:00 am24-19922 / CMGScott E. Tanne, Esq.Motion Withdraw As AttorneyNo Opposition Filed
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Adjournment
391/28/2026 9:00 am24-20051 / CMGLee M. Perlman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objectionsadj to 1/7: cure funds on way to creditor- need to post


AMT; TRUSTEE CONDUIT REQUEST<>>

Debtor obj<> NEWREZ/Colonial Dr ( Hill Wallack)

debtor say be current by g hearing date - made payments
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-20420 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-21476 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/MANUFACTURERS & TRADERS TRUST; PLAN DENIED ON 12/17 AND FILED TO FILE MP IN 14 DAYS; LATE CLM #4-1
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am24-22135 / CMGMaryBeth Schroeder, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELECT PORTFOLIO (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
471/28/2026 9:00 am25-10055 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objectionsmk per atty debtor has new job PREMPTORY for 1/28/26

what's status of PI suit?


ARREARS 5,000 as of 12/13/25. Last pay Sept 2025

Debtor to start new job 11/10

TR payment is 750 and debtor has only been paying $200 p/m

atty says $ coming from a refi-..but the house burned down

3rd hearing date
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-10458 / CMGAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-10467 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)No Opposition FiledSANTANDER CONSUMER (EISENBERG)
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Adjournment
421/28/2026 9:00 am25-10968 / CMGJames J. Cerbone, Esq.Creditor Certification of Default3rd Party Matterneed payments to post

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK TRUST/Chad La (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
461/28/2026 9:00 am25-11702 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)3rd Party MatterDebtor obj<>SANTANDER (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
521/28/2026 9:00 am25-11931 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: outstanding issues/status change - adj to 1/28/26<>

TR order recap and provision for automatic dismissal if payment not made


as of 12/15/25(mk)UPDATED

Arrears now 2,183 made recent Dec. payment- before that last pay was July


Debtor has a TFS pmt of $1000 scheduled to come out on 11/26 and another payment of $125 for 12/12 and 12/19 ( he has rescheduled automatic weekly payments of $125 starting 12/5 (125 per week)



Debtor obj<>ARREARS $2,569 Last pay July 2025
(amt: plus SV order entered 11/3 for auto)

MK: MFR on 11/5/25 was OTBS to add arrears to plan; TR will object to that order when it is submitted as case needs conduit
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-11931 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> THRIFT INVESTMENT ( Eisenberg Gold)
Email InquiryMatter ResolvedRequest
Adjournment
531/28/2026 9:00 am25-12282 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO SELL DURHAM AVE PPTY BY 10/22/25; ARREARS


Order to sell prop. entered 11/12/25 case will be paid off at 100%

12/15/25: per atty :
debtor used another attorney to handle the real estate closing. There was a delay on seller's side because buyer's title needed the co-owner to sign off on documents for closing. I confirmed today with seller's attorney that he is coming in to his office on 12/17 to sign the required documents and closing will take place on or before 12/24.
This closing will yield significant proceeds for the bankruptcy estate - adj to 1/28 for proceeds
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-12575 / CMGEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE CLM#14 OF TRIBOROUGH BRIDGE NAD TUNNEL AUTHORITY

mk: parties have agreement to pay outside case. if granted plan can be paid out at 100% and that is less than base amt.
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-12575 / CMGEdward Hanratty, Esq.Application for RetentionNeeds Resolution of Issues - ObjectionsTrustee obj<> APPLICATION FOR RETENTION/SP COUNSEL HEATH

this will be moot if claim motion gets granted on 1/28 as plan will be 100%lees than confirmed base

Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-12575 / CMGEdward Hanratty, Esq.Application for RetentionNeeds Resolution of Issues - ObjectionsTrustee obj<> APPLICATION FOR RETENTION/SP COUNSEL, CORDOBA LEGAL


this will be moot if claim motion gets granted on 1/28 as plan will be 100%lees than confirmed base
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-12575 / CMGEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsTHIS IS A MTN POST-PET FINC/PENNYMAC LOAN( already happened) see notes below


>>MOTION ON CLAIM #14 ON 1/28/26
atty able to compromise on claim #14(filed at 14,695.98) Motion to pay them outside on for 1/28/26 per an agreement reached by parties. If granted


MK :Base needs to be raised for debtor's share of refi proceeds. Tr want s 15,000 and debtor offered 3,000



MTN POST-PET FINC/PENNYMAC LOAN

MK: this refi already occurred- back in June 2025- just now making the motion to approve it. papers say non filing spouse did the refi as he had debt. MTG WAS only in his name/Deed in Both names. However- both names are on the refi. got 30,797 from it and spouse spent that on his debts.

TR Objection filed





Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-12735 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> NEWREZ (Hill Wallack)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-13104 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledFAILED TO SELL FORDHAM RD PPTY BY 12/16/25
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-13531 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>FAILED TO LM BY 10/3/25

debtor says still waiting for a decision form Wells Fargo on the LM . wants more time
Email InquiryMatter ResolvedRequest
Adjournment
581/28/2026 9:00 am25-14205 / CMGLaurence R. Sheller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>ARREARS 7,140 as of 12/13/25

inconsistent pay history
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-14362 / CMGPRO SEMotion Dismiss CaseNo Opposition FiledSRB FAMILY TRUST MTN TO DISMISS (hoenig & Greenberg)
Email InquiryMatter ResolvedRequest
Adjournment
521/28/2026 9:00 am25-14451 / CMGRobert Manchel, Esq.Motion Relief from Stay (Fee)3rd Party MatterAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>FREEDOM MTG (BROCK & SCOTT)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-14658 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)3rd Party MatterTHE BAN OF NEW YORK MELLON (FRENKEL LAMBERT)
Email InquiryMatter ResolvedRequest
Adjournment
601/28/2026 9:00 am25-14684 / CMGAndy Winchell, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, ppty listed for sale<>FAY SERVICING (FRIEDMAN)

Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-14684 / CMGAndy Winchell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-15139 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>HSBC BANK/MERRILL LYNCH (LOGS)

12/11/25: parties working on CO

12/30/25(mk) creditor (Cap.One) filed Cert of default on real prop.(2nd mtg)
doc #39
Email InquiryMatter ResolvedRequest
Adjournment
551/28/2026 9:00 am25-15386 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)3rd Party Matter1/7 to bring current and MP on 1/7/26>>ISSUES>>

Debtor obj<>PENNYMAC LOAN (FEIN SUCH)


mk:MP filed on 11/12/25:
Correcting all numbers as reflected in the filed POCs and orders.
Removing timeshare from surrender to be unaffected by the plan.
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-16071 / CMGJoseph Albanese, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-16198 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS; FAILED TO SELL GWIACAK COURT P[PTY BY 12/10/25
Email InquiryMatter ResolvedRequest
Adjournment
641/28/2026 9:00 am25-16369 / CMGDarren M. Baldo, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsMID-ISLAND MTG (STERN LAVINTHAL)

Debtor opp'n>> made payments and home is for sale- waiting for ST CT approval(hearing in Jan.) for Guardian to sell - have a K- mtg will be paid in full form sale
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-16369 / CMGDarren M. Baldo, Esq.Motion SellNo Opposition Filed264 AVE P



no realtor
case has 2 creditors - the mtg co and 1 guc

conf 2/18/26
Email InquiryMatter ResolvedRequest
Adjournment
651/28/2026 9:00 am25-16474 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP on 1/28*


Debtor obj, MP filed
<>PLAN DENIED ON 9/24/25 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
671/28/2026 9:00 am25-16735 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsthis may be adj to 1/28/ as soon as crediotr has some info from debtor atty


debtor obj>>FREEDOM MTG (BROCK)

Plan on 10/15 is Denied MP on 11/5 to sell on 11/5(short sale)

10/14: creditor request to adj to 12/17 to allow more time for property to sell

conf on 12/17
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-16735 / CMGCandyce I. Smith-Sklar, Esq.Motion File Claim After Claims Bar DateNo Opposition FiledLATE POC/LAFAYETTE FEDERAL CRED UNION
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-17277 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsMTN TO MODIFY CLM#4-1 Credit Acceptance TO SEC CLM $7,812 AND GUC CLM $ 6,742.26

Tr obj: Debtor's numbers in the PPSD ORDER do not make sense and conflict with each other in the paragraphs of the order..
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN TO MODIFY IRS CLAIM #2-1: REDUCE PRIORITY TO $6,341.22 AND RECLASSIFY REMAIING PRIORTY TO GUC FOR TOTAL GUC CLM OF $5,396.50


se appraisal of home at doc #39- lower valuse due to poor condition
Email InquiryMatter ResolvedRequest
Adjournment
681/28/2026 9:00 am25-17731 / CMGSteven J. Sico, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsmk: crediotr request to adj to 1/28 for payment history review


Debtor obj<>US BANK NAT'L ASSOC (STERN & EISENBERG)
debtor asserts current
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-17890 / CMGFrederick J. Simon, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSANTANDER BANK (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-18074 / CMGDavid A. Semanchik, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-18260 / CMGThomas G. Egner, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterUNITED WHOLESALE MTG (PLUESE)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-18260 / CMGThomas G. Egner, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-18911 / CMGEric J. Clayman, Esq.Motion Relief from Stay (Fee)3rd Party MatterSELECT PORTFOLIO/TOWD POINT MTG (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-19165 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)3rd Party MatterNEWREZ/SHELLPOINT (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-19590 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledPENNYMAC LOAN (FEIN SUCH)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-19619 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition FiledSELENE FINC (RAS)
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Adjournment
01/28/2026 9:00 am25-20846 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)3rd Party MatterUNITED TELETECH FINC FEDERAL CREDIT UNION (McKENNA, DuPONT)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-20962 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledORDER TO SEVER PARTY FROM JOINT CASE 25-12955 WAS ENTERED 10/15/25. DEBTOR HAS MDE NO PAYMENTS, NOR HAS A PLAN BEEN FILED TO CONFIRM THIS CASE
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-21743 / CMGPRO SEMotion to Vacate DismissalNeeds Resolution of Issues - ObjectionsMTN TO VACATE DISMISSAL

THE MOTION MAKES NO SENSE AT ALL

MOTION APPEARS TO HAVE BEEN FILED ON BEHALF OF DEBTOR- BY THE EXECUTOR.BENEFICIARY?? A REVOCABLE LIVING TRUST???

case was dismissed on CT OSC for failure to file missing schedules

only vol petition pages .nothing else and no plan
no 341 dox

case filed 11/3 and dismissed 11/26
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-21946 / CMGTamika N. Wyche, Esq.Motion Prospective Relief3rd Party MatterUS BANK TRUST NAT'L ASSOC (PLUESE)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-21946 / CMGTamika N. Wyche, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
711/28/2026 9:00 am25-22287 / CMGAndrew G. Greenberg, Esq.Order Shorten Time3rd Party Matterbridge order to 1/28/26


1/6/26(MK) ATTY EMAIL ATTACHING 2 CASHIER'S CHECK FOR 2,601 EACH. 1 DATED 1/5/26 and 1 DATED 1/6/26 WHICH DEBTOR WILL MAIL TO TN LOCK BOX


As of 12/31/25 the DEC payment has not posted.
341 date is 1/15/26 and conf 2/18/26


Bridge order to 1/7/26 for 1st payment to post


>>OST>>


MTN TO EXTEND STAY

missing docs and plan FILED and 341 dox including insurance


MK: case filed 11/18/25

2 prior cases 2023 and 2025 both dismissed 2023 after conf and 2025 before conf in August 2025


Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-22747 / CMGPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)3rd Party MatterCHANDRA SIDDAVATAM/LANDLORD
Email InquiryMatter ResolvedRequest
Adjournment
731/28/2026 9:00 am25-22747 / CMGPeter E. Zimnis, Esq.Order Shorten Time3rd Party MatterMFR on 1/28/26


Bridge order 1/28/26

>>OST>>.

MTN TO EXTEND STAY
case filed 12/1/25

missing schedules and Plan filed
341 date is 2/5/26 but still missing dox: that have to be in 1 days before NEED PROOF OF AUTO INSURANCE
MUST HAVE: DR DR PHOTO ID...(YOURS TOO LIGHT..CORRECT AND RE-SEND)..... .........DR 2023/2024 TAX RETURNS, DR BANK STMNTS 2 MTHS, DR CUR CAR INSUR FOR 1 VEH.
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-22808 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN TO PURSUANT RULE 2004 AND LOCAL RULE 2004-1 AUTHORIZING EXAMINATIONS
Email InquiryMatter ResolvedRequest
Adjournment
741/28/2026 9:00 am25-23283 / CMGRobert C. Nisenson, Esq.Order Shorten Time3rd Party MatterBridge Order to jan 28 - include debtor to be current 341 dox in and 341 scheduled retain realtor and file motion


>>OST<<


MTN CONT STAY


case filed 12/16/25

missing schedules and plan OSC 1/13/26

NO PROOF OF HOME INSURANCE- PROVIDED 1/6/26
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am25-23368 / CMGThomas G. Egner, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN TO PROSECUTE CASE AND CONDUCT 341(A) VIA POA
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 9:00 am26-10011 / MEHJoan Sirkis Warren, Esq.Motion Impose Automatic Stay3rd Party MatterMTN REIMPOSE STAY
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am22-10127 / CMGScott D. Sherman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 129 of 48 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
851/28/2026 10:00 am22-17423 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 93 of 40 required payments   Arrears: $0
adj for more pay as OT will not be a factor in future and beginning 1/1/26 large health increase deduction (750) per month kicks in.

As of 10/24/25(mk):waiting for atty reply to email on income

1. Went back over pay stubs submitted for debtors- calculated YTD and by indiv. pay checks- STILL GETIING WAY MORE INCOME
FROM INVIVIDUAL CHECKS . sent email to atty with calculations for debtor and co debtor


MP proposes $16,750 PTD; $1250 X 27; BASE
BOTH DEBTORS RETURNED BACK TO FULL TIME WORK

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

9/2/25: updated :add'l pay stubs provided debtor now has job income- so no more disability- correct?- I CALCULATED PAY STUBS AND I AM GETTING MUCH MORE INCOME AND THUS MUCH MORE DISPOS INCOME.
no amended I & J yet and last sch I has disability income for debtor FILED

12/20/24:Prior confirm:$15,000 PTD (27 MOS) $250 X 33 BEG 1/1/25 ; BASE $23,250 W/MIN $15,530 TO GUCS DUE TO NE EQUITY ; UPDATED POI & AMENDED SCHEDULES I&J BY 7/30/25 ; PP
FEE APP W/IN 7 DAYS OF CONF ; PLACEHOLDER SET-UP & ON HOLD PENDING ORDER

12/28/22:Original confirm :$250 X 6 BEGIN 10/1/22 $750 X 18 BEGIN 4/1/23 $1,250 X 36 BEGIN 10/1/24; POT BASE $60,000 (MIN $15,530 TO GUCS DUE TO NE EQUITY); ATTY $3180/$4550
Email InquiryMatter ResolvedRequest
Adjournment
81/28/2026 10:00 am23-14593 / CMGKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 23 of 32 required payments   Arrears: $1,530.00
issues as of 12/11/2025 (JMA)

12/16/25(sf) INCOME JUST RECEIVED, NOT REVIEWED

1) Need updated proof of income for debtor and codebtor.
2) Modified plan includes a tier reducing plan payment from $800 to $70. Per Amended Schedule I Co-Debtor not working, looking for employment.

proposed plan $500x18, 800x11,70x31 base plan
paid in $18,670
arrears $730
29 months to go

RESOLVED:
2) Need 2024 Tax Return (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
751/28/2026 10:00 am24-15005 / CMGTimothy P. Neumann, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 14 of 20 required payments   Arrears: $6,492.00
ISSUES AS OF 12/9/2025 (DM):

***Loan Mod Order entered 11/26/25. No payment made in November. Trustee can propose terms if proposed plan payment is made in December, otherwise RECOMMEND DISMISSAL***

1) MP fails to treat $627.77 arrears to Santander on 2021 Ford Explorer - case originally confirmed to pay arrears (OKAY TO PAY??)

2) MP fails to treat $180 arrears to Key Bank on 2019 Ford F-150 - case originally confirmed to pay arrears (OKAY TO PAY??)

Note - majority of income is SSI.


Confirmed Case: $2,207.66 Ptd, $1,523 x 57, 100% Plan with $352k Min Div
Prop. Plan $1,103 x 2, $1,453.75 x 11, $550 x 43, 100% Plan
- Loan Mod with PennyMac is complete.
PTD = $21,056.48, $3,996.18 Arrears as MP filed.
Last Claim (9-1) dated 7/22/24
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am24-17061 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 61 of 18 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
761/28/2026 10:00 am24-18612 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 11 of 17 required payments   Arrears: $1,575.00
AS of 1/6/25 (mk): Updated

1. Objection by US Bank(RAS):
- does not consent to extension of LM period- debtor had ample time to pursue a LM from the April 2025 confirmation till Oct 2025.
- arrears $90,317.87
-plan is not feasible.


Plan arrears $816 at time of filing MP so that has to be added in

MP proposes:$409 X 8; $533 X 28; LM 5/31/26 (27 STRATFORD DR); BASE
EXT TIME FOR LM

-----------------
amended I & J and proof of income provided

Prior conf:$2863 PTD (8 MOS) $584 X 28 BEG 5/1/25 ; BASE $19,215 ; ATTY FEE $2780/$4750 ; LOAN MOD BY 10/9/25 (NO PAY PENDING LM) ; DEBTOR TO PROVIDE AMD SCHEDULES I&J & UPDATED POI
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am24-18668 / CMGJonathan Stone, Esq.Motion Reconsider3rd Party MatterDebtor has made 13 of 17 required payments   Arrears: $850.00
1/5 AMT: EMAILED CHAMBERS TO ADD TO CAL (NO DATE WAS IN ORDER GRANTING MTN TO RECONSIDER)<>

As of 12/23/25(mk):

Conf order was vacated so we are back to original positions

Plan #54

1.Objection by Glassboro (McNallly Law)
- has a valid secured J'ment lien on the property for total $93,711.92:
-debtors have equity in home after the first and second Mtgs and debtors exemption can't strip off entire lien- creditor says - debtor has significant equity which means can't strip off lien

-ALSO debtor had Axe Throwing B'ness- Covaz Enterprises LLC-- it was transferred to Power Strike LLC formed in March 2024 by Christian Cortes who may be related to debtors- What was the consideration for that transfer?.

2. Trustee objection:
CMA from March 2025 shows estimated value at $541,950. Thea COMP ANALYSIS of $475, 000. Zillow has value at $502,700. Realtor.com has value at $545,800 Debtor put value at 481,000.
We need to settle on a value and then do the liquidation analysis .
- Also depending upon the determination on the creditor's objection - there will be equity in the home as will as personal property that may render the plan not feasible.



AMT: CONF ORDER VACATED, DOC #71<<>

Plan:$830 X 51; BASE student loans outside
PTD $11,251.50




Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am24-18668 / CMGJonathan Stone, Esq.Confirmation Hearing ScheduledContinued
2/18/2026 10:00 am
Debtor has made 13 of 17 required payments   Arrears: $850.00
1/5 AMT: EMAILED CHAMBERS TO ADD TO CAL (NO DATE WAS IN ORDER GRANTING MTN TO RECONSIDER)<>

As of 12/23/25(mk):

Conf order was vacated so we are back to original positions

Plan #54

1.Objection by Glassboro (McNallly Law)
- has a valid secured J'ment lien on the property for total $93,711.92:
-debtors have equity in home after the first and second Mtgs and debtors exemption can't strip off entire lien- creditor says - debtor has significant equity which means can't strip off lien

-ALSO debtor had Axe Throwing B'ness- Covaz Enterprises LLC-- it was transferred to Power Strike LLC formed in March 2024 by Christian Cortes who may be related to debtors- What was the consideration for that transfer?.

2. Trustee objection:
CMA from March 2025 shows estimated value at $541,950. Thea COMP ANALYSIS of $475, 000. Zillow has value at $502,700. Realtor.com has value at $545,800 Debtor put value at 481,000.
We need to settle on a value and then do the liquidation analysis .
- Also depending upon the determination on the creditor's objection - there will be equity in the home as will as personal property that may render the plan not feasible.



AMT: CONF ORDER VACATED, DOC #71<<>

Plan:$830 X 51; BASE student loans outside
PTD $11,251.50




Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am24-19908 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 15 required payments   Arrears: $11,030.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am24-20219 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 15 required payments   Arrears: $2,082.00
11/21/25 (sf) Contract of Sale just provided with sale price of $825,000. Closing date 12/30/25


AS of 11/18/25(mk) IS THERE A SALE K??


1. Motion to retain realtor just filed on 11/19/25. No contract yet. May be signed by Friday 11/21.

11/26 for motion to approve sale

MK: 1 asset case .all there is is mtg and atty fees of 4,494.23 NO GUCS
Listing Agreement provided

AS OF 10/30/25 (SF) Atty requested adjournment to file motion to appoint realtor and resolve trustee arrears - Per MK case should be dismissed.

Per attorney, debtor's father was funding the plan and has recently passed away which means that the debtor has no income.
IF no income can not be debtor in 13



Trustee objection:
- No payments have been made since June 2025.
- Plan now has a sale in 6 mos and will only pay the atty fees as no unsecured creditors have filed claims.
- need realtor to be appointed and a listing agreement.


1. The modified plan proposes a sale in 6 months and will only pay attorney fees. There are no unsecured creditors. The debtor has not made a payment since June. No updated proof of income provided.

2. Plan is funded by contribution of $4500 from father so why no payments?




MP proposes $250 x 36 100%; Sale in 6 months
Plan has run 12 months with 24 months remaining
Arrears: $987


Email InquiryMatter ResolvedRequest
Adjournment
811/28/2026 10:00 am25-10052 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 12 required payments   Arrears: $3,036.00
as of 1/5(mk) Atty sent proof of money orders totaling 3424 tha were mailed 1/2/26. Now we are in Jan - so that is due - should adj to 1/28/26 to be totally current


AS of 12/29/25(mk):

NO DEC payment made yet- NEEDS TO MAKE THIS.

MP #39


MP Proposes:$3050 X 9; $3230 X 1; $3424 X 50; $0
MP adds post pet mtg payments to plan
plan has run 11 mos and 49 remain



Prior conf : $9150 PTD (4 MOS) $3050 X 56 BEG 6/1/25 ; BASE $179,950 ; ATTY FEE $4180$4750 ; BERKLEY TWP WILL ONLY BE PAID UPON THE FILING OF A TIMELY POC


------------------RESOLVED-----------------------
Objection by MidFirst Bank:
- understated claim and not feasible ORDER SUBMITTED PAY PRE PETITION CALIM AND POST PET OF $906.65
Email InquiryMatter ResolvedRequest
Adjournment
851/28/2026 10:00 am25-12786 / CMGPRO SEOrder Vacate Dismissal of Case3rd Party MatterDebtor has made 6 of 10 required payments   Arrears: $2,160.00
debtor wants to keep lower payment for 4 more mos then increase for next tier- 1 last adj to 1/28/ to confirm

AS Of 12/31/25(mk): email to debtor

**NEEDS TO CONFIRM AT $3,240 PTD THEN $971 x 51 Begin 1/1/25 100%
Preserve Equity T/H of 341,309 in real property
Student loans outside the plan
Trustee standard order of distribution
must file pre conf cert w/ in 7 days of confirming Order.

6/9 payments $1,620 arrears. Due to NE Equity in real property plan must be 100%- student loans are outside

Plan had considering a LM but then paying arrears and since there is no evidence a LM is being pursued so this work up is for a cure on mtg arrears.

>>STIIL DO NOT HAVE PROOF OF NFP INCOME FROM BEING A NURSE AT VNA- terms are what is needed for 100%


THERE IS 341,309 IN EQUITY IN 2 PROPERTIES OWNED BY DEBTOR SO PLAN HAS TO BE 100% GUC TOTAL IS $9,000.35

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

11/26/25(mk) last night debtor sent 4 emails attaching various dox- the CMA for Ocean Grove is a letter from someone -no id who she is no letterhead just says her opinion- so this is no good. Payment receipt for apparently insurance on ST Croix property - NO declarations of what is covered. Soc Sec letter for Caro Thomas benefits- this is debtor's sister who is a dependent on tax return SP appears to be a Joan Leung-Lo-Hing according to 2024 return submitted. 2024 return show income as IRA distributions and pension income. also sent a sch I & J. DOCS NEED TO BE UPLOADED TO 13DOCS AND SCH J FILED WITH THE COURT

>> NEED MORE TIME TO REVIEW ALL THIS - BUT WHY ARE THEY SUBMIITED 8 MOS AFTER CASE WAS FILED AND THE NIGHT BEFORE THE HEARING??

**PLAN HAS MORTGAGE ARREARS AND SEEMS TO STATE ATTEMPTING A lm


As of 11/17/25(mk):

- no 341 dox submitted

5/8/payments ARREARS 1,620

Order vacating Dismissal entered 9/5/25 required: NOT DONE

x Within 10 days of the date of this Order, Debtor must pay PHH Mortgage Services the post-petition mortgage payments due in the total amount of $7,322.7
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-14280 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 9 of 9 required payments   Arrears: $0
AS OF 12/3/25(MK):email to debtor-ok to terms

>>If the below is correct then

**CAN REC CONFIRM AT $470 x 36 begin 5/1/25 base.
Strike the Per plan child support claim as support is paid through county probation Dept. Westlake claim #4-1 will be paid the secured portion of their claim in the amount of $11,619.82. No distributions will be made on arrears part of the claim. Tr std order of distribution**


1. Plan has child support claim but no claim was filed so that will be stricken- it is paid thru Mercer cty probation.

2.Plan has Westlake pay claim in full. secured claim is for 11,619.82- you want that paid and not the arrears of $626.80- Correct?


proposed plan $470x36 5%- MUST BE A BASE PLAN
8/8 payments

----------------RESOLVED ISSUES-------------------

- The debtor has failed to file the required Pre-Confirmation Certification. FILED
- Schedules fail to account for tax refund of $686.00 when determining disposable income. ADDED IN
- Add language Tr std order of distribution.
- Add language the plan will be a base plan.

- The debtor has failed to supply the Trustee with the following document(s): Domestic Support Obligation information the form and court order. RESOLVED, PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
941/28/2026 10:00 am25-14362 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 5 of 9 required payments   Arrears: $600.00
- need to be current - needs 600 to post by 1/28- retain broker and listing agmt- MK send her the forms for retention she will try to retain ana tty

mk debtor says selling property - has a realtor Keller Williams- will cure arrears by 12/23 when she gets paid

As of 12/9/25(mk);

5/8 payments. arrears $450 .last pay was 9/12/25

>>ARE WE STILL PAYING ABELSON THE BALANCE OF FEES IN PLAN? flat fee 4750 - got 1,620 up front bal 3,130 case filed 4/28/25 and he w/d on9/24/25 -no 341 had been conducted before he w/d>> he filed the plan and vol. petition and a motion to extend the stay


1. Trustee objection:
- Proof of 2 month's income - Need to provide pay statements from Preis Enterprises beginning June 16, 2025
- Schedule J Part 2 #4 does not include mortgage payment.
- Amendments to Schedules Schedule I to provide all current income
- must file pre conf cert.


Plan:150 x 36 and sale of real property by 12/31/25 100%
debtor says she has listing agmt w/ realtor to sell home
5/8 payments ARREARS $450

----------------------------RESOLVED---------------------
There is $256,654.31 non-exempt equity in house. (100% PLAN)
Email InquiryMatter ResolvedRequest
Adjournment
981/28/2026 10:00 am25-14981 / CMGDavid L. Stevens, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 8 required payments   Arrears: $1,500.00
CMG: creditor has to sign the listing agmt and debtor to sign agreement that no kick backs to debtor behind the debtor and realtor to sign as well

AR NOTE
PER OBJ AGREE TO SALE IN BKCY BUT DOES NOT AGREEE WITH REALTOR RETAINED ( N=MAY NOT BE DISINTERESTED PER 101 14 )
NEED TO RESOLVE FOSS CLAIM 4-1 ON FOR 1-7 -26
NEED TO RESOLVE VAL ON WASHINGTON AVE PTY

AS of 12/11/25(mk):

Work up on plan #56

Plan proposes to remove claim of co owner A. Foss of Almeda prop and treat her as 1/2 owner to get her $ form her 1/2 interest upon sale of the property. MOTION ON THIS CLIM ON 1/7/26.

1. Objection BY Creditor, A. Foss(Curiel Firm)doc#60
-Creditor has claims beyond 50% interest in Alameda prop. in ST. CT action for breach of Fiduciary duty, fraud damages etc
- bad faith and not feasible. ( does not object to sell in bkcy CT.) wants it sold- BUT REFUSED TO SIGN LISTING AGMT B/C THE REALTOR IS CLOSE FRIEND OF DEBTOR
creditor says tax sales are due to debtor not doing his obligations so he wants debtor to be responsible to pay the tax sale out of his share.

2. Trustee objection;
-Part 4 g of plan lists 7 creditors to be paid through the plan until balance of claims are paid at sale. Only 2 of those creditors have filed claims: D. Wang and G. Cristofano. TR only pays on filed claims- the other 5 creditors: L. Ocasio,K. Schaeffer, Alert Ambulance, S. Rountree and FIG Customer never filed claims and will not be set up for payment through the plan.

Obj to part 10 language: Furthermore, although the Debtor's Chapter 13 plan is proposed for a term of 60 months, if the Debtor pays the full base plan amount earlier, he is not required to remain in the plan beyond 36 months.

base div of 165,000 is less than the T/h equity amount. Tr is bound by values of property at confirmation . Alameda prop listing price 575,000- Zillow has it at 502,100-if A.Foss claim is removed as she gets 50% of proceeds that leaves debtro equity at 149,039. Washington Ave. zillow has 583,000.
Email InquiryMatter ResolvedRequest
Adjournment
1011/28/2026 10:00 am25-15919 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $294.00
AS OF 12/11//25 (SF) Updated docs just received. Need to adjourn to give time to review

RECOMMEND $1506 PTD, $1541 X 30 (BEGIN 1/1/26) 100% PLAN


Schedule J adds tuition payment of $1657. Need proof that this is the amount debtor pays monthly. Document provided does not verify this amount. It shows that debtor received loans to offset tuition. Also, ex-spouse is to pay half of the tuition.

1. VW Credit Inc. filed arrears claim 9-1 in the amount of $69 which is not addressed in plan (OK TO PAY?)

2. Trustee objection:

- The debtor's plan consists of unnecessary or excessive expense items, such as:
$300/month for home maintenance
$326/month for oil (Cost is $98 per month per bill)
$658/month for car insurance
$350/month for student loans (need proof these are being paid) (NO PROOF PROVIDED)
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $1,627 (REQUIRES 100% TO GUCS)

- The schedules fail to account for the debtor(s) tax refund in the amount of $4,527

- Need updated proof of income and amended Schedule for debtor's new job at Capital Health (started job in July).


Plan proposes $300 x 8; $850 x 28 Base Plan
Payments: 5/6 Arrears: $294



RESOLVED:
- Need proof of insurance for the 2017 Audi. The policy that was provided to the trustee expires on 7/25/25 (RECEIVED)

- Objection filed by Carrington Mortgage Services (Wohlrab) - failure to pay arrears of $3422.50 (RESOLVED - COS OK TO PAY ARREARS)
- The debtor has not filed the required Pre-Confirmation Certification. (RECEIVED)
- Need statements for the two TSA loans if they continue to be deducted from pay stubs at new job. (Not listed on new pay stubs
- Need a mortgage statement showing monthly payment amount if a POC is not filed.
- Need updated proof of income and amended Schedule for debtor's new job at Capital Health (started job in July).

Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-16030 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 7 required payments   Arrears: $2,660.00
adj to 1/28/26 PEREMPTORY to get consent to sell or D

-STILL DOES NOT HAVE CO ONER CONSENT TO SELL- MATRIMONIAL DISPUTE - THIS NEEDS RESOLUTION IN ORDER TO CONFIRM A SALE PLAN.


As of 11/18/25(mk):4/5 payments Arrears $1,377.53
SV on residence and debtor does not have consent of co owner to sell property.

Work up on Plan #14

>>MFR BY Lakeview on 11/6/25- GRANTED

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


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
4/5 payments



-----------------------------------RESOLVED----------------------------
. Ally Capital (LAURA EGERMAN) obj to Cram amount in plan not correct and interest. ORDER SUBMITTED 11/18. TERMS= pay total 67,743.53 over 60 mos


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
1211/28/2026 10:00 am25-16063 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $150.00
341 now on 1/15/26


AS OF 11/20/25 (SF)


1. 341 not held - MISSING DOCUMENTS
2. PAYMENTS: 4/5 Arrears: $150



>>Motion to Dismiss case as to Debtor Frederick Reight ONLY and case to continue for Lucia - Hearing date 11/5/25(mk) GRANTED
9/24/25- debtor has passed away needs time to determine next steps
Email InquiryMatter ResolvedRequest
Adjournment
1031/28/2026 10:00 am25-16474 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 7 required payments   Arrears: $694.00
adj for better CMA

As of 12/9/25(mk):

work up on plan #27


1. Trustee suppl obj:
there is an issue with the valuation of the real property. It was sold in 2021 for 305,000. the CMA( equifax) has value at
297,000 and Zillow has current value at 440,000- There needs to be further investigation as to value before case can be confirmed


Plan: $347 X 24; $847 X 12; $0
5/6 payments ARREARS $547
Email InquiryMatter ResolvedRequest
Adjournment
1051/28/2026 10:00 am25-16735 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $265.00
issues as of 12/11/2025 (JMA)

1) Lafayette Federal Credit Union claim has not been filed, bar date passed 9/3/2025. Strike it or Must file motion to allow late claim.

2) TD Bank/Raymour & Flanigan claim has not been filed, bar date passed 9/3/2025. Strike it or Must file motion to allow late claim. Trustee cannot pay without filed claim

3) Modified Plan treats states student loans to be paid outside of the plan.

4) Motion for Relief from Stay scheduled for 12/17/2025 - need outcome

5) Modified Plan states the short sale is to be completed by January 2025. Should this be 2026?

proposed plan $$264.88x60 base plan with short sale of property by January 2025
paid in $1,324.40
arrears $264.88
last claim 22-1
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-17054 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $500.00
AS OF 10/9/25 (SF) STILL NEED 2024 RETURN


Motion to approve loan mod just filed. Modified plan required

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.


Plan proposes $500 x 18; $925 x 42 Base Plan
Payments: 3/4 Arrears: $500


RESOLVED:
- 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) (AMENDED)
Email InquiryMatter ResolvedRequest
Adjournment
1111/28/2026 10:00 am25-17451 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $500.00
PREEMPTORY for 1/28/26


AS OF 12/11/25 (SF)

Trustee objection:

- A copy of the last filed tax return - for 2024. (NOT PROVIDED. TAX CLAIMS STILL ESTIMATED)

- Need 2 months bank statements from TD Bank acct#5389 and #0148 prior to filing date ,
statements provided are from 2/2025 and 3/2025.

- The current Plan does not specify treatment of Toyota Motor Credit (2019 GMC Sierra 1500)
under the Plan.

- There is estimated non-exempt equity $94,373 in the residence, pending all claims resolved, $8,920 and
estimated in bank accts, pending bank statements.

- Must resolve IRS estimated tax claim, 2024 tax return not filed.

- Must resolve State of NJ estimated tax claim, 2023 and 2024 not filed

- Must resolve creditor objection.

- TD Bank filed arrears claim 5-1 for $757.34 (OK TO PAY?)

- Toyota filed arrears claim 16-1 for $594.48. (OK TO PAY?)




Plan proposes $500 x 60 Base; Refinance by 7/1/27 w/min div of $88,000 to gucs
Payments: 4/5 Arrears: $500

RESOLVED:
- A copy of the homeowner's insurance renewal declaration - . Expired 9/1/25. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
1121/28/2026 10:00 am25-17706 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $600.00
mk need to file motion to reclassify claim for Portfolio car was scrapped


AS OF 12/11/25 (SF) BELOW ISSUES STILL APPLY

1. Carvana filed arrears claim 4-1 in the amount of $484 which is not addressed in the plan (OK TO PAY?)

2. Portfolio Recovery filed bifurcated claim 7-1 for $8075 secured, $1244.22 unsecured, and $9319.22 arrears. This claim is not addressed in plan - 2012 Hyundai Elantra (NO INSURANCE FOR THIS VEHICLE - MUST RESOLVE)

3. IRS filed priority claim 3-2 in the amount of $11,017.81 which is higher than proposed amount of $690.25 (OK TO PAY?) YES PAY mk

4. Wells Fargo/PHH filed arrears claim 12-1 in the amount of $54,815.32 which is higher than proposed amount of $24,351 (OK TO PAY?) YERS PAYmk

5. Mariner Finance filed arrears claim 20-1 in the amount of $438.96 which is not addressed in the plan (MUST RESOLVE) YES PAY mk

6. Objection filed by Bridgecrest Credit Compay (Stewart) - objects to cram of interest mk: working on it

7. Trustee objection:

- Need bank statements from Wells Fargo checking for June and July prior to filing date. (RECEIVED AND NONEXEMPT EQUITY IS $2143)

Need bank statements from Wells Fargo savings acct from June and July prior to filing date.
(STILL NEED)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
3 car payments $484, $336, $219 and 1 is being crammed in Plan and Timeshare $260 is
considered a luxury and should be surrendered. (PER CLAIMS FILED, DEBTOR HAS 5 CAR PAYMENTS)

- Disposable income would be $2,058.

- The circumstances and contents of the debtor's Plan, when taken in their totaility, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
Plan is proposing to cram the interest of timeshare which is considered a luxury and fails to pay the unsecured creditors.

- The Plan divides unsecured claims into classes with no rational basis and discriminates unfairly against a class in violation of 11 U.S.C. ? 1322(b)(1). Specific
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 6 required payments   Arrears: $434.00
Email InquiryMatter ResolvedRequest
Adjournment
1131/28/2026 10:00 am25-17731 / CMGSteven J. Sico, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $6,695.00
As of 12/9/25(mk):

>> US Bank motion for relief scheduled for 12/17/2025 - need to know if this impacts plan.


1. Trustee objection:
-NO CERT OF SERVICE ON PLAN CRAM OF SHELLPOINT/BANK OF NY MELLOM 2ND MTG was ever filed-suppl obj filed

- Pre-Confirmation Certification. NOT FILED TO DATE

--Debtors not paying all disposable income into plan. Trustee's calculations are higher due to : Co Debtor income is significantly higher than scheduled. The debtor is paid weekly, not bi-weekly.

Plan $6,695x60 base plan
4/5 payments TFS sch payment for 12/5/25 pending

------------------------RESOLVED-----------------------------
- The debtor has failed to supply the Trustee with the following document(s): need bank statements (June & July) for Citizens Bank acct#9730. PROVIDED
-Kearney acct #5500 balance $7,456.40. No exemption on Schedule C. There is $7,456.40 non-exempt equity. ADDED IN
-ATTY disclosure is filed but it says -0- paid and -0- owed and Plan has -0- balance
US Bank (KML) objection to confirmation - ORDER SUBMITTED 9/15- PAY POC
- Secured creditor will file claim for pre-petition arrears in the amount of $166,513.83
- There is $81,397.52 non-exempt equity in house. AFTER CLAIMS FILED, THERE IS NO NON-EXMEPT EQUITY IN THIS PROPERTY
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-18187 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $250.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-18242 / CMGRobert H. Johnson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1181/28/2026 10:00 am25-18616 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $800.00
As of 12/16/25 (DS): Per email from Debtor atty/MK/DS requested adj to allow time to discuss payments with Debtors

As of 12/12/25 (DS): Need to confirm at $2,800 paid, $1,100 x 20 begin 1/1/26; $1,986 x 36 begin 9/1/27; Base with a min. div. $52,474 due to non-exempt equity;
- Fee app within 7 days from conf order for the $5,000.
- Trustee ok to pay arrears claim#10-1 of Hyundai.
- Student loans to be treated outside.

As of 10/31/25 (DS): 1. Diamond Resorts (Timeshare) filed secured claim with arrears $2,116.15, not listed in plan or schedules. Per claim Debtors purchased timeshare 7/26/22 for $15,714 to be paid within 10 years with mo. pymts $307.76, which has not been paid in 6-7 months. Must resolve claim. EMAILED ATTY TO FILE MOD PLAN AND AMEND SCHEDS TO ADD TIMESHARE AND REQUEST CONF ADJ - MOD PLAN SURRENDERS

2. ISSUES WHICH REMAIN UNRESOLVED:
- There is non-exempt equity in the residence $51,295 and $1,179 in bank accts.
- Add to confirming order fee app within 7 days from confirming order.
- Hyundai filed arrears claim $785.73. Trustee ok to pay? MOD PLAN FAILED TO ADD ARREARS, STILL LISTED AS NONE.

As of 10/10/25 (DS): Debtor atty requested adj to resolve all issues.

10/15/25 (DS): 1. Trustee obj to the following:
- There is non-exempt equity in the residence $51,295 and $1,179 in bank accts total $52,474.
- Add to confirming order fee app within 7 days from confirming order.

2. NewRez (ELIZABETH HOLDREN) obj to arrears owed are more, POC filed with arrears $4,106.49. COTBS PAY POC ARREARS FILED.

3. Hyundai filed arrears claim $785.73. Trustee ok to pay?

Prop Plan $800 x 24 begin 9/1/25; $1,650 x 36; Base
Note: Atty amended Sched A/B and C to change BOA acct# and provided bank statements, he also provided Life insurance statement, added timeshare and amended Sched A/B and to reflect $1,814 in acct.
401(k) loan balance statement provided. Case is above median, disposable income and excessive expenses no issue, plus need non
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-18623 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-18635 / CMGStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $900.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-18802 / CMGMark N. Glyptis, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 5 required payments   Arrears: $1,554.00
As of 12/12/25 (DS): Plan denied due to mod plan filed 12/11/25 and sched 1/28/26.

THIS WORK UP WAS BASED ON MOD PLAN FILED 12/11/25
Need to confirm at $2,331 paid, $770 x 56 begin 1/1/26; 100% with a min. div. $390,457 due to non-exempt equity

As of 10/31/25 (DS): Debtor atty requested adj to allow time to resolve all issues

11/5/25 (DS): 1. Trustee obj to the following:
- Must amend Schedule A/B and C to add inheritance and provide copy of aunt's Will and all info about townhome (Crocket Ln) including value and any liens inherited by Debtor. ALL DONE, THERE IS NON-EXEMPT EQUITY $318,815 ON THIS HOME.
- There is non-exempt equity in the residence $71,642 and non-exempt equity on Crocket Ln property $318,815 total $390,457.

Prop Plan $777 x 3 begin 9/1/25, $770 x 57 begin 12/1/25; Base
Note: Sched I failed to add tax refund $645, which is fine, disposable income pays and plan will require non-exempt equity.
Email InquiryMatter ResolvedRequest
Adjournment
971/28/2026 10:00 am25-19096 / CMGRegina L. Gelzer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $2,446.00
AS OF 1/2/2026 (at):

1. Fig 20, LLC filed a secured claim for delinquent real estate taxes in the amount of $6,910.06 which is not in the plan. Is the debtor going to pay this claim?

2. Objection filed by Sixty Acre Reserve Condo Association (McGovern Legal) - failure to cure full claim of $42,365.02. Plan proposes to pay $39,201.78. (UNRESOLVED)

3. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure full arrears of $60,364.03. Plan proposes to pay $28,800. (UNRESOLVED)

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- 2 months bank statements from Sutton Bank and Wells Fargo checking acct#6162 prior to filing date. (RECEIVED)

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - with personal liability coverage. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $571 when
determining disposable income. (AVERAGED/ADDED TO INCOME)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)
- Must resolve the creditors objections. (LISTED ABOVE)

Plan proposes: $2,446 x 36 beginning 9/1/2025, base
Payments: 4/5, arrears $2,446
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-19112 / CMGThomas G. Egner, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 5 required payments   Arrears: $1,056.00
Email InquiryMatter ResolvedRequest
Adjournment
981/28/2026 10:00 am25-19166 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $528.00
has order circulating to resolve obj.

1/7 to find missing loss mit package- apparently was delivered to myg co on 12/28/25...


AS Of 12/29/25(mk);

>>is obj in #2 resolved??

1. Trustee obj:
- There is non-exempt equity $5,888 in the Pitch Pine Rd property.
- Must file Pre-conf cert.

2. Rushmore-Leroy Pl prop (CHARLES WOHLRAB) obj to arrears amount paid and loan mod. Must resolve obj. arrears $340,640.77

-if case is dismissed- needs 180 day bar to refine

Prop Plan $522 x 36 begin 10/1/25; 100% and Loan mod on Leroy Pl by 3/1/26
3/3 payments

----------------------RESOLVED-------------------
Note: MFR Carrington MTG on 11/26 SV, property 7 Search Ave is being surrendered.
>>Have insurance on Leroy Pl and and lot at Pitch Pine- For Search prop - Surrendered in plan and co owns w/ex-girl friend - Uploaded insurance 11/25/25- on Search prop- has credtor consent to adj(mk)
Email InquiryMatter ResolvedRequest
Adjournment
1311/28/2026 10:00 am25-19226 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $100.00
AS OF 12/11/25 (SF) Adj request denied. Need auto insurance

1. Objection filed by The Bank of NY Mellon/ CWABS Inc (Goldman) - failure to provide for arrears of $136,280.49 and speculate sale

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

3. Township of Ewing filed an unsecured claim 2-1 although the creditor is listed as secured an unaffected by the plan.

4. Trustee objection:

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


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

- Must resolve creditor objection.

Plan proposes $100 x 60 Base Plan; Sale of real estate by 2/28/26
Payments: 3/3

RESOLVED:

- The debtor must provide proof of auto insurance for the 2000 Mercury Mountaineer. (RECIEVED)
Email InquiryMatter ResolvedRequest
Adjournment
1351/28/2026 10:00 am25-19500 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $1,000.00
debtor now on TFS

issues as of 12/11/2025 (JMA) - NOT CURRENT WITH PAYMENTS. ARREARS: $1000.

1) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Hill Wallack) objection to confirmation -RESOLVED, ORDER RESOLVING OBJECTION, DEBTOR TO PAY $6,717.26 ARREARS THROUGH PLAN

2) Trustee objection to confirmation - NEED TO RESOLVE

- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income; Need copy of 1099 for Business income from Carbones Barber Shop 2 NOT PROVIDED TO DATE (PER ATTY BUSINESS JUST OPENED IN 2025 NO 1099 AVAILABLE YET) MUST SEND COPY WHEN RECEIVED FOR 2025

- 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 nonexempt equity of $11,805 in real estate. PLAN PROVIDES FOR $15,000 TO BE PAID TO GUCS



proposed plan $500x60 minimum $15,000
paid in $500
arrears $1,000
last claim 12-1

RESOLVED ISSUES:

- Domestic Support Obligation information for alimony - PER FINAL JUDGMENT OF DIVORCE, DEBTOR PAYS EX SPOUSE $183/WEEK SUPPORT, NO OTHER DOCUMENTATION PROVIDED.
- The debtor must provide updated proof of auto insurance for the 2023 Nissan and 2024 Kia. The policy provided expires on 7/13/25 - RESOLVED, PROVIDED RENEWAL GOOD THROUGH 1/15/2026
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3095.00 when determining disposable income. RESOLVED, INCLUDED IN INCOME ANALYSIS

mk: TFS payments set up 11/21/25- processing and Dec payment scheduled for 12/21/25 at $500 each.
- need proof of mother's contribution - NOT PROVIDED TO DATE (RECEIVED)
-Must provide August and September 2025 Bank Statements for Chase Account - (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-19506 / CMGLawrence W. Luttrell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $5,987.00
As of 12/29/25(mk):

Case has to be 100% due to NE Equity ansd that makes it not feasible - plan is way underfunded
the payment needs to a least double to cover the claims

1.Objection by Sailfish Servicing LLC(KML):
- plan fails to pay full amt of arrears.

2. Trustee objection:
- total atty fee charged 5050- for a flat fee. this is above the 4750 limit- was the filing fee for petition included in that?

- there is no proof( no claim filed) of a second lien on the property so as of now, there is non exempt equity in real property of $305,074-WHICH MEANS IT HAS TO BE 100%

need information on the Ebay trading card income- how much annually and proofs and
amend sch I to add it.

- Amendments to Schedules I &J for Debtor's new job and to remove co debtor and input
her unemployment.

- The debtor must provide proof of auto insurance for the motor home or cert that it is not
driven.

- Plan consists of unnecessary or excessive expense items, such as:
there are 3 car payment on sch J. there are only 2 debtors. there are 4 cars listed on auto
insurance and 5 auto leases all in plan in part 6. all for Jeep Wranglers..
Student loan payment on sch J yet plan fails to list those as payable outside the plan.
sate taxes listed on Sch J of 1,000 per month -if this is estimated tax payments, Need proof
that these are actually being paid each month - so 6 months worth of proof of payments.

- plan fails to check box for vesting- ADD TERMS THAT VESTING OCCURS ON CONFIRMATION
-failed to file the required Pre-Confirmation Certification .
-Add to terms that standard order of distribution.
-add TR is not authorized to pay post pet claims


Plan: $2993.71 X 60; MIN $45,058
2/3 payments





Email InquiryMatter ResolvedRequest
Adjournment
1681/28/2026 10:00 am25-19619 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $600.00
issues as of 11/19/2025 (JMA)

1) 341 not held, not rescheduled - missing documents
2) US Bank Trust NA (RASC) objection to confirmation
- secured creditor filed claim for $159,144.31

proposed plan $300x60 100% plan loan mod by 4/2026
paid in $600
arrears $300
last claim 1-1
Email InquiryMatter ResolvedRequest
Adjournment
1391/28/2026 10:00 am25-19869 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,942.00
341 on 1/22/26


As of 12/11/25 (DS): 341 not held 12/11/25, Debtor & atty no show

Has creditor consent to adj (mk)
C/O resolving objection
Email InquiryMatter ResolvedRequest
Adjournment
1081/28/2026 10:00 am25-20204 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $257.00
1/7/26:PER AR will be $5,000 T/H to gucs due to preferences and non modifiable- mk sent email to atty


AR to review for a T/H dividend to gucs - ar WILL SENT ATTY RESOLUTION AS TO t/H TO GUCS AND NON MODIFIABLE

doc #17 is amended SOFA for people paid form proceeds

As of 12/22/25 (DS): 1. Still waiting on Debtors detailed breakdown of funds from pre-filing real estate closing.

2. State of NJ did not file claim, bar date has passed 12/9/25.mk:GOV BAR IS 3/16 TO ADD LANG ONLY PAY IF A TIMELY CLAIM WAS FILED

3. Consumer Portfolio filed arrears $837.35, needs to be paid or move against claim. MK: OK TO PAY

As of 12/15/25 (DS): Debtor atty requested adj to allow Debtors more time to prepare a detailed breakdown of funds from pre-filing real estate closing that occurred 5/29/25 from 9/30/25 filing.

As of 12/12/25 (DS): 1. Trustee obj that Debtors provided a cert as to the spending of proceeds from sale of property 5/29/25, 4 months prior to Bankruptcy received $26,801.
- Trustee needs further details/info on $5,000 was put as a down payment for 2021 Cadillac, but was purchased on 3/27/25 when down payment was $4,500.
- Trustee needs further details/info on the breakdown of the $5,000 for tuition for extracurricular activities for children, but bank statements only show $1,132.78 to ICP Jersey All Stars and lots of Fanduel Casino gambling and many withdrawals, especially $15,008 & $5,000 on 5/30/25 and $2,000 on 6/4/25.

2. Consumer Portfolio filed arrears $837.35. Needs to be paid.

Prop Plan $257 x 60 begin 10/1/25; 0%
Note: Auto insurance for 2021 Cadillac provided.
Email InquiryMatter ResolvedRequest
Adjournment
1461/28/2026 10:00 am25-20259 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $1,270.00
1/5/26(mk) Order submitted resolving Santander obj to conf .TERMS= PAY TOTAL $22,217.07 TRRU PLAN


UPDATED 12/12/2025 (JMA)
issues as of 12/11/2025 (JMA)

1) Leisure Village Ease Association, Inc (McGovern Legal Services) objection to confirmation - NEED TO RESOLVE
- Association's secured claim is in the amount of $1,271.63
2) Santander Consumer USA, Inc (Eisenberg Gold) objection to confirmation - NEED TO RESOLVE-
- The Plan should be amended to provide for payment of the net loan balance of $17,942.55 plus interest at 9.5%
- Adequate protection payment should be made to Chrysler Capital beginning September 2025 at $159 per month.
3) IRS unsecured claim estimated, NEED AMENDED CLAIM
4) Trustee objection to confirmation - RESOLVED
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $22,866.46 non-exempt equity in house. MORTGAGE CLAIM LOWER, NON-EXEMPT EQUITY INCREASES TO $23,905.72.

proposed plan $635x60 100% plan
paid in $1,270
arrears $635
last claim 12-1
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-20267 / CMGKirsten B. Ennis, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 3 of 4 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
1481/28/2026 10:00 am25-20302 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,032.00
As of 12/16/25 (DS): Debtor atty requested adj to resolve POC claim#4 of Tesla., also provided bank statements, no time to review.

As of 12/11/25 (DS): 1. Trustee obj to the following:
- Must provide 2 months bank statements from Chase Bank accts#9653 and #0673 prior to filing date.
- There is non-exempt equity in the residence $21,086.
- Add to confirming order fee app within 7 days from confirming order.
- Tesla filed arrears claim for $971.50. Trustee ok to pay?
- Must file Pre-confirmation certification.

Prop Plan $1,032 x 60 begin 10/1/25; Dollar Base $37,717.41
Note: Tax refund no issue, income is social security and disability.
Email InquiryMatter ResolvedRequest
Adjournment
1521/28/2026 10:00 am25-20367 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $475.00
As of 12/15/25 (DS): Debtor atty requested adj to allow time to meet with debtor and discuss income and budget and get additional docs

As of 12/11/25 (DS): 1. Trustee obj to the following:
- Must provide Chase Bank savings acct statement for the month of Sept.
- SAV Plan loan 1A $55.82 x 2.16 = $120 ends 7/23/27 and will require tier plan and SAV Plan loan 2A $50.04 x 2.16 = $108 ends 7/17/28, which also requires tier. NO BALANCE STATEMENTS PROVIDED, JUST DOCS SHOWING WHEN LOAN ENDS.
- Disposable income verifies $2,314. DEBTOR'S INCOME AND 22C INCOME DOES NOT AGREE, DEBTOR NET INCOME VERIFIES $8,438.06, 22C HAS GROSS $11,036, PROOF OF INCOME GROSS INCOME VERIFIES $14,029 AS OF SEPT.
- Excessive expense for a leased car payment $1,260.

Prop Plan $475 x 60 begin 11/1/25; Base
Note: Robinhood statement provided.
Email InquiryMatter ResolvedRequest
Adjournment
1541/28/2026 10:00 am25-20424 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $1,725.00
amt; COPY OF NOV PYMT ATTACHED/ATTY APPEARING TO REQUEST ADJ<>

AS OF 12/11/25 (SF) NO PAYMENTS

1. Objection filed by Joseph Elmendorf, Landlord. Debtor is in default for unpaid rent and related charges totaling $7747. The objection references a marital property in Browns Mills. That property is not disclosed so don't know if that information is correct. (Need explanation)

2. Trustee objection:

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

- The current Plan does not specify treatment of Purchasing Power, LLC under the Plan.

- Capital One filed arrears claim for $1,307.94.

- Need to add to confirming order all non-exempt proceeds from potential PI claim (car accident)
that occurred shortly after the bankruptcy petition was filed.



Plan proposes $575 x 36 Base
Payment: 0/2 Arrears: $1150

Email InquiryMatter ResolvedRequest
Adjournment
1561/28/2026 10:00 am25-20434 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $3,238.00
12/15/25 (sf) Adj denied. Need consent of objecting creditor


issues as of 12/11/2025 (JMA)

1) JSM at Hickory Phase 2, LLC (The Weingarten Law Firm) objection to confirmation - NEED TO RESOLVE
- Debtor currently owes $19,230.22 under the lease and remains in possession of the Premises.
- The Plan does not provide adequate protection or timely cure of defaults
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- IRS filed estimated claim for 2022 taxes
3) New York State filed priority claim in the amount of $4,804.19, not provided for in the plan

proposed plan $1800x60 100%
paid in $1,246.14
arrears $2,353.86
last claim 20-1
Email InquiryMatter ResolvedRequest
Adjournment
1581/28/2026 10:00 am25-20483 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $2,349.00
AS OF 12/15/2025 (at):

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

1. 341 is scheduled for 1/22/2026. (READY)
2. Payments: 1/2, arrears $1,390
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-20490 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,500.00
AS OF 12/11/2025 (at):

1. 341 is scheduled for 1/15/2025. (READY)
2. Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
1601/28/2026 10:00 am25-20532 / CMGPaul H. Young, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,100.00
mk 341 now scheduled for 1/22/26



12/16/25 (sf) Adj request denied. 341 not held


issues as of 12/10/2025 (JMA)

1) 341 not held, not rescheduled - missing documents
Email InquiryMatter ResolvedRequest
Adjournment
1611/28/2026 10:00 am25-20542 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,000.00
AS OF 12/16/25 (SF) Updated - Atty needs to discuss higher payment with client

RECOMMEND $1000 X 2 (BEGIN 11/1/25); $2013 X 46 (BEGIN 1/1/26) 100% PLAN W/MIN DIV OF $1026 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE



1. Trustee objection:

- A Modified Plan that amends part 5a with either 100% or base - not both.

- Disposable monthly income $8,409.21. (RECOMMEND 48 MONTH PLAN)

- Excess expenses on Schedule I & J $928/monthly cost for dance classes; $2,350/non filing spouse cc payments; $100/quarterly taxes proof they are being paid;
-Form 122c-2 Line 45 monthly disposable income $3,366.20 which requires $201,972 to unsecured creditors. Plan is 100%

- There is $1,025.78 non-exempt equity in house.

Plan proposes $1000 x 60 100% Plan
Payments: 1.5/2 Arrears: $500

RESOLVED:
Objection filed by JPMorgan Chase (Lebron) - (RESOLVED, PAY ARREARS)

FYI: order resolving objection to confirmation by JP Morgan( Fein Such):PAY ARREARS CLAIM
Email InquiryMatter ResolvedRequest
Adjournment
1611/28/2026 10:00 am25-20564 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 12/9/2025 (at):

1. Objection filed by US Bank (Robertson Anchutz) - failure to cure full arrears of $91,674.07 (Per objection - no claim filed yet). Plan proposes to pay $75,000. (UNRESOLVED)

2. Objection filed by Bridgecrest Acceptance (Stewart Legal) - vehicle was purchased within 910 days of filing so the claim cannot be modified. (UNRESOLVED)

3. Credit Acceptance filed a secured arrears claim in the amount of $519.85 for a 2008 Acura which is not in the plan. Is the debtor going to pay this claim?

4. 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):
- Chase acct #5414 balance as of 9/11/2025 $1,841.07. (RECEIVED)

Plan proposes: $700 x 6 beginning 11/1/2025, $2,025.15 x 54, loan modification by April 2026, base
Payments: 1/2, arrears $700
Email InquiryMatter ResolvedRequest
Adjournment
1631/28/2026 10:00 am25-20641 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
UPDATED12/12/2025 (jma)
issues as of 12/11/2025 (JMA)

1) Wilmington Trust (KML) objection to confirmation - NEED TO RESOLVE, CLAIM NOT FILED TO DATE
- estimated pre-petition arrears $12,841.68
- Debtor's plan is not feasible as it does not fully compensate secured creditors.

2) Trustee objection to confirmation

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).

- Trustee standard of distribution.

proposed plan $323x60 base plan
paid in $646
last claim 1-1

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification-RESOLVED, FILED
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-20646 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $309.00
As of 12/10/25 (DS): Debtor atty requested adj to allow 341 sched 1/22/26 to be heard
Email InquiryMatter ResolvedRequest
Adjournment
1111/28/2026 10:00 am25-20738 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 3 required payments   Arrears: $0
As of 12/29/25(mk):

>> Waiting on response from Santander attorney if we can OTBS pending loan modification decision. Loan Mod submitted via the DMM Portal on 12/11.


1. Objection by Santander(Gross McKinley):
- Plan fails to pay arrears


2. Trustee Objection:
- As of now, there is estimated non-exempt equity in the residence of $63,100.
- must file pre conf cert.
-needs fee app to approve hourly fee w/in 7 days of confirmation

Plan:$1,500 x 60 begin 11/1/25; Base and Loan Mod on S. Chestnut Ave within 6 months from con
3/2 payments
Email InquiryMatter ResolvedRequest
Adjournment
1671/28/2026 10:00 am25-20767 / CMGFrances A. Tomes, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,740.00
341 now on 1/22/26
2/2 payments

atty wants adj-has creditor consent
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-20784 / CMGAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $600.00
FYI: order submitted 12/29/25 resolving obj by Eisenberg Gold for Santander on auto. Terms=
t Santander shall be paid through the Debtor's Plan
shall be $21,957.45. This amount is reached using the agreed value of the vehicle
of $17,425.00, amortized at 9.5% over 60 months. (mk)
Email InquiryMatter ResolvedRequest
Adjournment
1691/28/2026 10:00 am25-20807 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $200.00
AS OF 12/15/2025 (at):

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

1. 341 is scheduled for 1/15/2025. (READY)
2. Payments: 1/2, arrears $200
Email InquiryMatter ResolvedRequest
Adjournment
1701/28/2026 10:00 am25-20916 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $792.00
As of 12/15/25 (DS): Debtor atty requested adj 341 sched 1/15/26
Email InquiryMatter ResolvedRequest
Adjournment
1721/28/2026 10:00 am25-21074 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,525.00
issues as of 12/10/2025 (JMA)

1) 341 not held, rescheduled for 1/15/2026

proposed plan$1,525.46x60 100%
paid in $3050.92
last claim 9-1
Email InquiryMatter ResolvedRequest
Adjournment
1141/28/2026 10:00 am25-21129 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $2,000.00
As of 1/5/26 (DS): Debtor atty requested adj to resolve obj

As of 1/2/26 (DS): 1. Trustee obj to the following:
- Disposable income, 22C disposable income, excessive expenses on Sched J and 22C and non-exempt equity $277,558. Plan propose 100%.
- Must amend Voluntary Petition #2 to add Co-Debtor's other last name used "Moramarco".
- Must resolve creditor obj.
- IRS filed claim $17,352.22, not in plan.

2. Freedom Mtg-1st Mtg (KIMBERLY WILSON) obj to arrears owed $17,152.66, plan has $0 arrears owed, POC filed with arrears $17,152.66. Must resolve obj.

3. Volkswagen filed arrears $50. Needs to be paid or move against claim.

Prop Plan $2,000 x 60 begin 11/1/25; 100%
Note: Capital One-2nd mtg obj resolve CO entered 12/30/25 PAY ARREARS $5,540.24
Email InquiryMatter ResolvedRequest
Adjournment
1171/28/2026 10:00 am25-21168 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $300.00
mk: Lm was submitted waiting for decision

AS OF 1/5/2026 (at):

1. Objection filed by US Bank (Robertson Anschutz) - failure to cure arrears of $84,214.80 (Per POC). Plan proposes to pay $0. Loan modification plan. (UNRESOLVED)

2. 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):
- Bank statements from Ocean First for the month of October. (RECEIVED)

Plan proposes: $150 x 36 beginning 11/1/2025, loan modification by 4/22/2026, base
Payments: 1/3, arrears $300

----------RESOLVED-----------------
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Children Education Cost $360. Must provide proof of expenses 10 days prior to confirmation. (NOT RECEIVED)- MK THIS IS ok
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21195 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,246.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21236 / CMGYakov Rudikh, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1761/28/2026 10:00 am25-21241 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,184.00
issues as of 12/11/2025 (JMA)

1) US Bank (McCalla Raymer) objection to confirmation - NEED TO RESOLVE
- approximate arrears $49,800.32
- proof of claim not filed to date
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Need to provide the September 2025 bank statement for PNC acct #0799.
- 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 $73,722.63 non-exempt equity in house.

proposed plan $1,184x60 100% plan
paid in $1,184
arrears $1,184
no claims filed to date
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21245 / CMGThomas G. Egner, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $2,810.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21429 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $4,000.00
As of 12/29/25 (DS): Debtor atty requested adj, 341 sched 1/8/26
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21441 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $7,794.00
12/9/25 (SF)


341 not held - Rescheduled to 1/8/26
Payments: 1/2 Arrears: $3897

Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21479 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21486 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,200.00
issues as of 12/29/2025 (JMA) - need to adjourn confirmation hearing to allow 341 hearing to be held

1) 341 hearing not held, scheduled for 1/8/2026
2) Federal Home Loan Mortgage Corporation (RASC) objection to confirmation - NEED TO RESOLVE
- Secured creditor finds the proposed timeline for a loan modification to be completed excessive. Secured Creditor objects to any period longer than 90 days counting from the date of filing to submit a full loan modification package for review.

proposed plan $600x36 with loan mod by 5/2026 base plan
paid in $600
arrears $600
last claim 11-1
Email InquiryMatter ResolvedRequest
Adjournment
1261/28/2026 10:00 am25-21491 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $1,812.00
mk: 2 TFS payments pending- debtor meeting w/ realtor by end of week- need cert on Motorcycle that its garaged and whenon road will produce insurance

As of 1/6/26 (DS): Debtor atty again requested adj and again adj request was denied, still no motorcycle insurance provided and checked to see if TFS payment that was made 12/31/25 for $604 was cleared and the payment was not. Debtor now in arrears $1,812.

As of 12/31/25 (DS): Debtor atty requested adj to allow time to resolve IRS claim, request denied, failed to provide motorcycle insurance, also proof of TFS payment $604 has scheduled, but does not show date when made.

As of 1/2/26 (DS): 1. Debtor in arrears $1,812, made 0 out of 3 payments.

2. Trustee obj to the following:
- Must provide motorcycle insurance for 2022 Harley, expired 10/28/25.
- Americredit filed arrears claim for $707.42.
- There is non-exempt equity in $14,246 in 2018 Chevy and $36,150 in the residence total $50,396.
- Add to confirming order non-exempt proceeds from the sale of Old Adamston Rd to Trustee.
- Must resolve the creditors objs.

3. PHH Mtg/Deutsche Mtg (CORY WOERNER) obj to adequate protection payment and provides for regular mortgage payments pending sale. Plan not feasible. Must resolve obj.

4. Real Time Solutions-2nd mtg (ANDREW LUBIN) obj to not in plan, has a 2nd mtg lien on property, mortgage matured 12/1/21 and is owed $133,253.97, no claim filed. Must resolve obj.

5. Estimated claims filed by IRS (2019 & 2020 not filed) and State of NJ (2004-2009, 2018-2020 and 2022-2024 not filed). Must resolve claims.

Prop Plan $604 x 60 begin 11/1/25; Base and Sale of Old Adamston Rd by 5/1/26
Note: Amended Sched J filed to remove $1,000 car payment and amended Sched B to remove Chevy.
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21494 / CMGScott E. Tanne, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,300.00
AS OF 1/5/2026 (at):


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

1. 341 is scheduled for 1/8/2026.
2. Payments: 1/3, arrears $1,300
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21684 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 12/29/2025 (at):

1. 341 is scheduled for 1/8/2026.
2. Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21831 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 12/29/2025 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The document provided under "DEED" is blank other than the signatures on the last page
- Need to provide Certification of Ownership
2) Per Debtor atty, debtor is the sole owner of the property and this will be a 100% plan. Adjourned to allow bar date to pass.

Email InquiryMatter ResolvedRequest
Adjournment
1361/28/2026 10:00 am25-21835 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,512.00
Hold for proof of insurance and a proof of payment


AS OF 1/5/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,512
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21879 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
1381/28/2026 10:00 am25-21892 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 1/6/26 (DS): Debtor atty requested adj 341 sched 1/8/26
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21924 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $345.00
updated 12/31/2025 (JMA) - debtor atty provided proof of payment sent to Trustee - ok to grant adjournment
issues as of 12/29/2025 (JMA) - to date, no plan payments received. Cannot grant adjournment without Trustee plan payments.

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Need a statement for the 401k loan.
- The debtor(s) plan consists of unnecessary or excessive expense items such as: $1,000/month mortgage (per statement payment is $922.87); $20/month for student loans (plan does not pay student loans outside) will MP to pay outside;
- 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 $4,989 in non-exempt equity in the residence as of now.
- Need addendum or updated CMA on property condition that supports lower value.
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21926 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $195.00
As of 12/29/25 (DS): Debtor atty requested adj to allow time to serve creditors.

As of 12/29/25 (DS): 1. Must serve River Edge Apts to street address not PO Box creditor in plan motions.

2. Exeter Finance (WILLIAM E. CRAIG) obj to not in plan. Debtor co-signed for 2022 Honda Pilot 10/4/25 w/car pymt $856.52, POC filed no arrears owed (car on auto insurance).

3. Plan has Crescent Bank for 2020 Nissan Sentra as outside, POC filed 12/18/25 by Crescent Bank as unsecured, car repoed, sold 4/2/25 and deficiency balance claim filed. Also car is not on insurance.

Prop Plan $204.48 x 60 begin 12/1/25; Base
Note: Amended Sched A/B and C to add 2022 Honda Pilot, but does not remove 2020 Nissan Sentra, claim was filed as unsecured and car was repossessed and sold. Proof of social security income provided 12/26/25.
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-21946 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $14,188.00
updated 12/30/2025 (JMA) - need to request adjournment of the confirmation hearing date 1/7/2026 to allow 341 hearing to be held.
issues as of 12/22/2025 (JMA)

1) 341 scheduled for 1/15/2026
2) Bank of New York (Padgett Law) objection to confirmation
- arrears $313,071.14
Email InquiryMatter ResolvedRequest
Adjournment
1451/28/2026 10:00 am25-21991 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,050.00
issues as of 12/22/2025 (JMA)

1) 341 not held, scheduled for 1/15/2026
2) Only made a partial payment of $175 to date, arrears $525

proposed plan $700x12. $1,700x48 100% plan
paid in $175
arrears $525
last claim 3-1
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22122 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22203 / CMGJohn D. DiCiurcio, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $5,850.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22240 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
as of 12/22/2025 (JMA)

1) 341 has been rescheduled for 1/15/2026 - to date documents have not been provided to date for the 341 hearing

Email InquiryMatter ResolvedRequest
Adjournment
1501/28/2026 10:00 am25-22266 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $800.00
AS OF 1/6/2026 (at):

1. Objection filed by Wells Fargo Bank (Robertson Anschutz) - failure to cure full arrears of $63,910 (Per objection - no POC filed yet). Plan proposes to pay $57,607. (UNRESOLVED)

2. Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Tele/Cell/Internet/Cable $600 and Child Education Cost $700 (2024 Tax returns failed to provide proof that adult son is in college and is missing pages). Must provide proof of
expenses (100% PLAN.)
- Need HUD-1 Settlement Statement from sale of property in Philadelphia. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has insufficient income. (E-WAGE LANGUAGE ADDED)
- 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 non-exempt equity in the residence of $104,560 (100% PLAN.) (LANGUAGE ADDED)
- Fee app within 7 days from confirming order.(LANGUAGE ADDED)
- Must file Pre-confirmation certification. (FILED)

Plan proposes: $800 x 12 beginning 12/1/2025, $1,300 x 48, 100% plan
Payments: 1/2, arrears $800
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22303 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $8,000.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22304 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $534.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22377 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22406 / CMGRobert H. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $2,000.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22407 / CMGRobert H. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22416 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $618.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 10:00 am25-22421 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,120.00
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 12:00 pm23-11918 / CMGBrad J. Sadek, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 12:00 pm24-13895 / CMGAndrew Thomas Archer, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 12:00 pm24-17223 / CMGAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 12:00 pm24-18593 / CMGLee M. Perlman, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
01/28/2026 12:00 pm25-20330 / CMGJustin M. Gillman, Esq.Motion CompensationRecommend Granting
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes