ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 2/11/2026
Last Updated: 3/11/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryRequest
Adjournment
2/11/2026 8:30 am25-16553 / JKSPRO SEConfirmation Hearing ScheduledContinued
2/25/2026 8:30 am
Debtor has made 10 of 9 required payments   Arrears: $0
Motion to transfer case to Judge Sherwood 2/11/26 at 10

AS OF 2/6/265 (SF)

Motion to transfer case to Judge Sherwood scheduled for 2/11/26 at 10 (NEED OUTCOME)


1. Objection filed by Shannon Reilly (David Goldsmith) - creditor has a pending litigation in US District Court and seeks $578,838.85 for unpaid wages and attorneys fees. Asserts that plan is not feasible and filed in bad faith. (MUST RESOLVE)

Note: Debtor provided copy of LLC Certificate of Formation which shows that she is not the Registered Agent for Lisa's Priceless Pets, LLC. Her daughter is the sole owner

2. There is a 109(e) issue. Unsecured claims total $595,374.25 which exceeds the limit for unsecured debt. (MUST RESOLVE)

3. Objection to Exemptions filed by Reilly scheduled for 2/11/26 at 10:00 am

4. Motion to Extend Time to file Complaint objecting to debtor's discharged scheduled for 12/10/25 at 10:00 a.m.

5. The plan and schedule J are incorrect. Debtor has two car payments:

- Hyundai Capital filed claim 1-1 which is a lease for 2025 Hyundai Tucson for $470.58 (listed incorrectly in plan as Ally Financial) - zero arrears

- Ally Capital filed claim 3-1 which is a purchase for 2021 Nissan Rogue for $648.53 (Lisa Fillipini is co buyer for Ally Capital) not addressed in plan - $64.83 arrears (THIS CLAIM IS ALSO FILED IN FILLIPINI CASE)

6. Trustee objection:

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

- The debtor has undertaken an improper use of exemption. Specifically: Debtor does not reside in New Jersey per petition and resides in New Hampshire. Therefore, only allowed to use d(5) and not d(1) on mobile home. Additionally, debtor testified that she lives in the New Hampshire property, and her current drivers license was issued in New Hampshire. (NEED AMENDED SCHEDULE C)

Note: Per debtor, she is 50% owner of a home in NJ. She maintains a bedroom at 20 Konner Drive, Franklin, NJ. She keeps clothing there and visits during the winter mont
Email InquiryRequest
Adjournment
2/11/2026 9:00 am19-10420 / MBKHerbert B. Raymond, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyOrder to be Submittedotbs by debtor --will be paid in full by 3/10 or automatically dismissed

Debtor obj, will pif in 60 days<> FAILED TO PAY PLAN BAL
Email InquiryRequest
Adjournment
2/11/2026 9:00 am19-12763 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/4/2026 9:00 am
2/11 AMT: ATTY EMAIL; DEBTOR SCHEDULED TFE PYMT $1014<<>>

Debtor obj, will pay<>FAILED TO PAY PLAN BALANCE
Email InquiryRequest
Adjournment
2/11/2026 9:00 am19-12798 / MBKThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/4/2026 9:00 am
Debtor obj, mailed pymt<>FAILED TO PAY PLAN BAL
Email InquiryRequest
Adjournment
2/11/2026 9:00 am19-24755 / MBKScott D. Sherman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $41,112 PTD (78); $ 562 X 6 BEG 2/1/26 (ATTY ok<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am19-33274 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultTrustee OrderAMT: PPSD TR ORDER - $147,804.76 PTD (74); $ 3,500 X 10 BEG 3/1/26 (EMAIL TO ATTY)<>

Debtor obj, will pay $8,000 & requests recap<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am20-11840 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultContinued
3/4/2026 9:00 am
nfa
Debtor obj<> AMERIHOME (sTERN & L)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am20-16596 / MBKJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT; arrears cured; debtor will pay Feb, per atty; Plan will complete timely<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-11264 / MBKDavid Jerome Witherspoon, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $ 50,145 PTD (60); $1,120 X 24 BEG 3/1/26 ( ATTY OK)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-13272 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee Order2/6 AMT: $ 22,766 PTD (58); $456 X 3 BEG 3/1/26; PLAN EXT TO 61 MO (ATTY ok)<>

AMT: DEBTOR SENT IN PYMTS; WILL REVIEW ONCE POSTED<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-14232 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultContinued
3/4/2026 9:00 am
Debtor obj<> CITY OF TRENTON
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-14281 / MBKThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $10,650 PTD (57); $450 X 3 BEG 3/1/26 ( ATTY OK)<>

Debtor obj, can make pymts to complete, request recap<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-15183 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $19,786 PTD (55); $373 X 6 BEG 2/1/26 ; PLAN EXT TO 61 MO (ATTY ok)<<>>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-15197 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee Orderamt: $36,659.50 PTD (55) $ 520 X 5 BEG 2/1/26; PLAN EXT TO 60 MO (ATTY OK)<>

Debtor obj<>FAILED TO PAY PLAN BAL
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-15499 / MBKPeter E. Zimnis, Esq.Motion for Relief from StayWithdrawnRE-LISTED, 8/6 MFR WAS OTBS<>

Debtor obj; Creditor response<> DAYTON INDEPENDENCE CONTO ASSOC (McGovern)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-15744 / MBKKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT; $ 36,522.30 ptd (54); $1,700 x 1 (Feb); $1,131 x 6 beg 3/1/26; plan ext to 61 mo ( atty OK)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-16097 / MBKThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $ 47,700 PTD (55); $1,667 X 5 BEG 3/1/26 (ATTY ok)<<>>


Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-17612 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/4/2026 9:00 am
amt: ATTY REQUESTED PYMT HISTORY FROM CREDITOR; DEBTOR HAS BEEN PAYING LENDER DIRECT; CLMS MAY NEED ADJUSTING<>

Debtor obj,<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-19501 / MBKRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $67,816 PTD (50); $ 2,187 X 10 BEG 3/1/26 ( ATTY ok)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am21-19927 / MBKBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderAMT: $50,146 (50); $ 1,589 X 10 BEG 3/1/26 (ATTY ok)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-10529 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnDebtor obj, will pay<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-12768 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultContinued
3/25/2026 9:00 am
AMT: MP 2/11 **NEEDS RESOLUTION** <>

Debtor obj, filing MP<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-13047 / MBKJoseph Casello, Esq.Trustee Certification of DefaultWithdrawnAMT: arrears pd/will complete timely<>

Debtor obj, made pymt<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-13595 / MBKLee M. Perlman, Esq.Creditor Certification of DefaultWithdrawnAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> FAY SERVICING/(Friedman Vartolo)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-16457 / MBKPRO SEMotion Withdraw As AttorneyGranted
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-16659 / MBKBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee Orderamt: $ 64,800 PTD (42); $ 1,800 X 18 BEG 3/1/26 (ATTY ok)<>

Debtor obj, proposes $3,600 & recap<>ARREARS (atty working on irs est clm/ debtor filed return; will file mtn if necessary)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-17010 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultTrustee OrderAMT: $13,580 PTD (41); $ 420 x 19 beg 3/1/26 ( atty ok)<<>>

Debtor obj, making pymts<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-18737 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderDebtor obj, can pay $2,000 & requests recap<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-19232 / MBKThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/4/2026 9:00 am
Debtor obj<>ARREARS
(amt: also need order on 1/21 mfr)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-19566 / MBKJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
3/4/2026 9:00 am
Email InquiryRequest
Adjournment
2/11/2026 9:00 am22-19751 / MBKFrances A. Tomes, Esq.Motion Relief from Stay (Fee)Continued
3/4/2026 9:00 am
Debtor obj, will pay<>CARRINGTON MTG (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-11425 / MBKMarc C. Capone, Esq.Creditor Certification of DefaultOrder to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> CMG MTG (McCabe)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-11446 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultConduit / OTBSAR NOTE LENDER WITH BANK ON CONDUIT
AMT; TRUSTEE CONDUIT REQUEST,>

Debtor obj<> AMERIHOME (sTERN & l)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-11680 / CMGJoan Sirkis Warren, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceContinued
2/18/2026 9:00 am
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-12773 / MBKJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-12773 / MBKJeffrey E. Jenkins, Esq.Motion Motion (Generic) - Only use if no other event is applicableMootMTN APPV INSURANCE CLM PAYMENT

The trustee objects to the debtor receiving payments because the proceeds should go towards paying the allowed auto lender secured balance under the confirmed plan.
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-13109 / MBKAndrew Thomas Archer, Esq.Motion CompensationContinued
3/4/2026 9:00 am
need to figure out of the $2610 in the 1/14 order is correct. If so it can be granted EDC


1/15 there was an order vacating fees. Appears to be this fee app???


Trustee obj (pymt tier in ppsd order<> FEE APP
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-14197 / MBKFrancis P. Cullari, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawn$2326 to debtor EDC

Debtor obj<>DEBTOR COMPLETED PLAN PAYMENTS BUR FAILED TO PROVIDE TRUSTEE WITH A STATUS OF PI CLAIM
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-14197 / MBKFrancis P. Cullari, Esq.Motion to Approve CompromiseGrantedMTN TO APPROVE COMPROMISE

$2326 to debtor EDC
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-14340 / MBKWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT:- $26,500 PTD (33); $1,500 X 9 BEG 3/1/26; PLAN EXT TO 42 MO ( ATTY ok)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-15833 / MBKWarren S. Jones, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/25/2026 9:00 am
Debtor obj<> SV/CARRINGTON
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-16454 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedDebtor obj<>PENTAGON FEDERAL CRED UNION (BROCK & SCOTT)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-17115 / MBKYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/25/2026 9:00 am
debtor obj, filing MP<>ARREARS
(amt: also need order on 1/21 mfr)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-17250 / MBKJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)Conduit / OTBS2/23 AMT: ORDER TO CHAMBERS/7 DAY<>

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>NEWREZ/SHELLPOINT (STEWART)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-17786 / MBKWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $ 82,050 PTD (29); $3,989 X 31 BEG 3/1/26 (ATTY OK)

Debtor obj, requests recap<<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-17941 / MBKHerbert B. Raymond, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS $31,264
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-17941 / MBKHerbert B. Raymond, Esq.Motion Relief from Stay (Fee)Moot - DismissedUS BANK TRUST NAT'L ASSOC (PADGETT)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-18132 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Continued
3/4/2026 9:00 am
Debtor obj<>WELLS FARGO BANK (RAS)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-21057 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/25/2026 9:00 am
2/10 amt: atty emailed proof of TFS moneygram $1,000<<>>

Debtor obj, can resume pymts<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-21477 / MBKRonald E. Norman, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be Submittedsent email to change remaining months to 32 EDC

MTN SUSPEND TRUSTEE PAYMENTS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am23-21870 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/25/2026 9:00 am
Debtor obj, will pay with settlement proceeds <>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-11581 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: ARREARS PD THROUGH FEB/WILL COMPLETE TIMELY<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-11639 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/25/2026 9:00 am
ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-13356 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultContinued
3/25/2026 9:00 am
AMT: MP 2/11 -** RECOMMEND DISMISSAL**<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-13393 / MBKAndrew M. Carroll, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-15861 / MBKJoseph Casello, Esq.Motion Reinstate StayContinued
3/4/2026 9:00 am
MTN REIMPOSE STAY
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-15861 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/4/2026 9:00 am
SV/SELENE
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-17322 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultTrustee Orderamt: $ 14,100 ptd (18): $824 (Feb/pending posting); $544 x 41 beg 3/1/26 (atty ok)<>

AMT: ATTY MAILED DEBTOR'S CASHIER'S CKS ON 1/29, $2,124<>

Debtor obj, will make pymts<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-18888 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnDebtor obj<>SV/US BANK
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-18888 / MBKCandyce I. Smith-Sklar, Esq.Order Order (Generic)Order to be SubmittedINTERIM ORDER REINSTATING STAY
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-19881 / MBKJacqueline R. Rocci, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
3/4/2026 9:00 am
Northfield Bank opp (Masselli Mills)<>MTN OBJECTING POC#4
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-19901 / MBKEric J. Clayman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee Order$10,584 paid then $793 x 44 beg 3/1/26 The trustee will pay the late filed proof of claim of GILA

Debtor obj<>FAILED TO FILE POC & MTN TO ALLOW LATE CLM ON BEHALF OF GILA GROUP; NJ DIV TAX EST CLM #16-1
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-19971 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee Order1/29/26 AMT: TR ORDER AMENDING CONDUIT ORDER - $5,250 PTD (15); $5,350 X 45 BEG 2/1/26<<>> (ATTY WILL BE FILING MP TO ADDRESS LM DUE 10/1/25)<<>>

1/15 amt: REQUESTED UPDATED MTG DELINQUENCY FOR AMENDED CONDUIT ORDER<>

Debtor obj, paid mtg direct Sept - Jan<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-20158 / MBKScott D. Sherman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissed2/6 amt: adj request pending processing<>

Debtor obj, can pay $4,000 by 2/13<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-20185 / MBKFrancis P. Cullari, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-20401 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnAMT: MP 2/11<>>

Debtor obj<>PLAN WAS DENIED ON 8/27/25 AND FAILED TO FILE A MODIFIED PLAN
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-20686 / MBKWarren Brumel, Esq.Trustee Certification of DefaultDismissedDebtor obj<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-21874 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $7,422 PTD (14); $308 x 46 beg 3/1/26 (atty ok)<>


Debtor obj<>ARREARS)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-21896 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/4/2026 9:00 am
Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am24-21896 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultContinued
3/4/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> FREEDOM MTG(Brock & Scott)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-10614 / MBKJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-10653 / MBKRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor response *WITHDRAWN*<>ARREARS (AMT: LM IS NOW PAST DUE 12/31/25)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-10916 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-10962 / MBKAndre L. Kydala, Esq.Motion File Claim After Claims Bar DateOrder to be SubmittedMTN ALLOW LATE CLM/JENNIFER SNYDER
NEED REVISED ORDER AUTH TR TO PAY
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-11433 / MBKAndrew Thomas Archer, Esq.Order Shorten TimeGrantedMTN TO SELL #150 ADDR
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-12992 / MBKKevin S. Quinlan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/4/2026 9:00 am
Debtor obj<>SV/NEWREZ
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13289 / MBKRonald E. Norman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedMTN APPV PI SETTLEMENT (RONALD NORMAN)

net $14980 to H and #13597 wife OK EDC
exemption OK EDC
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13401 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13479 / MBKKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS (ALSO TOWD OBTAINED SV ON 1/21)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13557 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor obj<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13557 / MBKAndrew Thomas Archer, Esq.Motion Relief from Co-Debtor StayGrantedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>PLANET HOME LENDING (RAS)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13641 / MBKThomas G. Egner, Esq.Motion Relief from Stay (Fee)Order to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>PENNYMAC LOAN (GROSS POLOWY)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13822 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee Order2/9 AMT: $3,129 PTD (10); $575 X 50 BEG 3/1/26 ( ATTY ok)<>

Debtor obj, making pymts<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-13911 / MBKAndre L. Kydala, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedPLAN DENIED 11/19 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-14185 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee Orderamt: ORDER ALLOWING LATE CLM FILED; PPSD RECAP - $ 11,288 PTD (10); $ 2,235 X 50 BEG 3/1/26 (EMAIL TO ATTY)<>

Debtor obj<>ARREARS; LATE FILED CLM #15-1
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-14378 / MBKLee M. Perlman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawntrustee obj
-unresolved trustee issues like est nj and irs
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-14649 / MBKAdrian Johnson, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order Previously Submitted
Trustee objection:
-need trustee payments
Failure to resolve multiple confirmation issues including:
- Failure to file the Pre-Confirmation Certification.
- The debtor must provide updated proof of auto insurance for the 2017 BMW, 2018 BMW and the 2015 Kia. The policy provided expires on 6/16/25.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $10,043.02.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $10,889.00 when determining disposable income.
- The current Plan does not specify treatment of CAVALRY SPV I, LLC's secured claim under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $94,342 in non-exempt equity in the residence.
- There is $11,150 in non-exempt equity in the vehicles. TOTAL NON-EXEMPT EQUITY $105,342.10.







Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-15035 / MBKYakov Rudikh, Esq.Motion Relief from Co-Debtor StayGrantedFINANCIAL SERVICES VEH TRUST (STEWART LEGAL)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-15077 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/4/2026 9:00 am
2/6 AMT: MP 3/4 **NEEDS TO APPEAR TO REQUEST ADJ OF TR MTN**<>

Debtor obj<>PLAN WAS DENIED ON 12/10/25 AND FAILED TO FILE A MP IN 14 DAYS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-15096 / MBKMoshe Rothenberg, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>TOYOTA MOTOR CREDIT (STEWART)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-15112 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawn

Debtor obj<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-15485 / MBKJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Order to be Submittedotbs- conduit on future defaults to be added per the Judge

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>NEWREZ/SHELLPOINT (McCALLA)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-16088 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/25/2026 9:00 am
Debtor obj<>FAILED TO LM BY 10/31/25, EXTENDED LOSS MIT EXPIRED 12/17/25; FAILED TO FILE ORDER RESOLVING US BANK OBJ TO CONF WITHIN 30 DAYS OF 8/27/25 CONF
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-16127 / MBKWilliam P. Bonomo, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-16584 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor obj, will pay $1500 & requests recap<>ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-17095 / MBKAndrew M. Carroll, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/4/2026 9:00 am
AMT: MP 3/4 - **NEEDS TO APPEAR TO REQUEST ADJ OF TR MTN <>


Debtor obj<>PLAN WAS DENIED ON 12/10/25 , FAILED TO FILE MP IN 14 DAYS AND PROVIDE TRUSTEE WITH FEASIBILITY INFO. disposable income is negative 1500 and not resolved. MP is over $1200 a month to pay higher mortgage claim.

$2449 arrears

mp filed 1/28 need to review
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-17361 / MBKJames J. Cerbone, Esq.Trustee Certification of DefaultTrustee OrderAMT: PPSD TR ORDER - $ 6,925 PTD (7); $2,300 X 53 BEG 3/1/26 (EMAIL TO ATTY)<>

Debtor obj, made $2,77 pymt & requests recap<> ARREARS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-17578 / MBKDaniel E. Straffi, Esq.Motion to SeverOrder to be SubmittedREMOVED FROM OTBS AND RESCHEDULED BY CHAMBERS

Creditors, Shubov response (Beslow)<>MTN TO SEVER DEBTOR, ALEXANDER

per judge order should say:
amended sched and plan should be scheduled to give new case number both debtors to file motion objecting to any claim that should not be included in their case within 60 days.

Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-17684 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedDebtor obj<>PRESTIGE FINC (EISENBERG)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-17837 / MBKPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
3/4/2026 9:00 am
Debtor obj<>PLAN WAS DENIED ON 12/10/25 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-18338 / MBKDavid A. Semanchik, Esq.AP Motion to DismissContinued
2/19/2026 10:00 am
AP 25-1376 DEFENDANT, GRIFFIN, MTN TO DISMISS AP (Broege)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-18379 / MBKKevin C. Fayette, Esq.Motion Relief from Stay (Fee)GrantedDebtor obj<>RESURGENT CAPITAL (McCALLA)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-18379 / MBKKevin C. Fayette, Esq.Motion Relief from Stay (Fee)GrantedDebtor obj<>GLOBAL LENDING (STEWART)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-18696 / MBKLARRY CHARLES MILLERMotion Relief from Stay (Fee)Order to be SubmittedWELLS FARGO BANK (BROCK)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-18994 / MBKLee M. Perlman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>EASTERN BANK (KML)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-19183 / MBKJustin M. Gillman, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
3/4/2026 9:00 am
MTN EXPUNGE SECURED CLM OF WESTLAKE 10-1
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-19574 / MBKJohn Zimnis, Esq.Motion Relief from Co-Debtor StayOrder to be Submitteddebtor obj<>SN SERVICING (FRIEDMAN)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-20091 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Moot - DismissedNEXUS NOVA (KML)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-20193 / MBKRobert Manchel, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Deniedtrustee obj:
Need to be current
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-20327 / MBKRussell L. Low, Esq.Motion Relief from Co-Debtor StayMoot - DismissedSN SERVICING (FRIEDMAN)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-21410 / MBKRobert Cameron Legg, Esq.Motion SanctionsContinued
3/4/2026 9:00 am
Creditor, Sharon Brewster obj (Whelan)<>DEBTOR MTN FOR DAMAGES FROM VIOLATION OF STAY BY CREDITOR, SHARON BREWSTER
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-21727 / MBKPRO SEObjection to POCContinued
3/25/2026 9:00 am
TD Bank response (Duane Morris)<>OBJECTION TO TD BANK POC #5-1
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-21727 / MBKPRO SEObjection to POCContinued
3/25/2026 9:00 am
TBTA obj (Hanmdan)<>OBJ TO POC #6-1

-service is OK but contains language in the order:
"the claimant is ordered to cease any dmv registration holds, license suspension action or other administrative enforement measures against the debtor related to the disallowed claim"
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-21727 / MBKPRO SEObjection to POCDeniedOBJ TO ACTION OPPORTUNITY FUND POC #1-1

-SERVED WRONG ADDRESS. ACTUAL ADDRESS IS 111 WEST ST. JOHN STREET SUITE 800 BUT SERVED 111 WEST STREET SUITE 80
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-21727 / MBKPRO SEObjection to POCContinued
3/25/2026 9:00 am
PNC OBJ (McCalla)<>OBJ TO PNC POC #4-1

-DID NOT SERVE POC ADDRESS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-21727 / MBKPRO SEObj to POCDeniedOBJ TO SYNCHRONY BANK POC #3-1
--NOTICE OF OBJECTION WAS FOR THE WRONG CREDITOR. HIS NOTICE IS FOR OPPORTUNITY FUND NOT SYNCHRONY
--NO PROOF OF SERVICE
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-21727 / MBKPRO SEObj to POCContinued
3/25/2026 9:00 am
Kubota Credit obj (Stewart)<>OBJ TO KUBOTA POC #2-1
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-22306 / MBKPRO SEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
2/19/2026 9:00 am
on for 2/19 for sheriff sale

** US BANK RESPONSE (RAS)

**trustee obj: need 341 docs and trustee payments
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-22320 / MBKPRO SEMotion to Enforce Automatic Stay and for Turnover of FundsMoot - DismissedMTN TO ENFORCE STAY AND FOR TURNOVER OF FUNDS
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-22788 / MBKJenee K. Ciccarelli, Esq.Request for Loss MitigationGrantedREQUEST FOR LOSS MIT/PHH
Email InquiryRequest
Adjournment
2/11/2026 9:00 am25-23236 / MBKPRO SEMotion Prospective ReliefGrantedDEBTOR 5TH FILING AL DISMISSED


Debtor obj<>US BANK TRUST NAT'L ASSOC (PARKER McCAY)
Email InquiryRequest
Adjournment
2/11/2026 9:00 am26-10078 / MBKDaniel E. Straffi, Esq.Notice of Request for Loss MitigationWithdrawnCSMC obj (Pluese Becker)<> REQUEST FOR LOSS MIT
Email InquiryRequest
Adjournment
2/11/2026 9:00 am26-10092 / MBKPRO SEMotion Impose Automatic StayDeniedSent to Anita
D with bar for 180 bar for ch13 or ch11 edc on order to show cause


MTN IMPOSE STAY

trustee objection:
- The debtor has not shown any likelihood of success or change of circumstances on this 5th filing within one year.
-missing 341 docs and payments
Email InquiryRequest
Adjournment
2/11/2026 9:00 am26-10414 / MBKMitchell L. Chambers, Esq.Motion Extend TimeGrantedMTN TO EXT TIME
Email InquiryRequest
Adjournment
2/11/2026 9:00 am26-10574 / MBKErik M. Helbing, Esq.Motion Extend TimeGrantedMTN TO EXT STAY

trustee obj resolved
Email InquiryRequest
Adjournment
2/11/2026 10:00 am19-33546 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledMootDebtor has made 36 of 75 required payments   Arrears: $0
Discharged 2/8/23, not dismissed
Email InquiryRequest
Adjournment
2/11/2026 10:00 am22-12768 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanContinued
3/25/2026 10:00 am
Debtor has made 26 of 47 required payments   Arrears: $19,456.00
AS OF 2/5/26 (SF)

1. Modified plan proposes to pay IRS secured claim outside of the plan (May need consent order) (Per AR need special service) PER ATTY WILL FILE CERT OF SERVICE

2. Need explanation as to why the IRS priority claim is listed under 4f as unaffected.
(Payment of priority O/S needs consent of the creditor/IRS and plan is inconsistent see sec 3)
(PER ATTY OK TO PAY PRIORITY AND STRIKE LANGUAGE IN PART 4)

3. Modified Plan reduces payment. Need amended I and J and copy of 2024 Tax Return (PER ATTY WILL FILE AMENDMENTS TO SHOW FEASIBILITY)

5. Why is Ally Capital claim 15-1 listed as unaffected? There is a balance due of $22,234.27
(We have money on reserve if mp confirmed we release the reserve to surviving creditors in order of priority)

6. The Stay is vacated as to Capital One Auto Finance. It's listed as unaffected but should it be surrendered? (Cap one has stay relief sb surrendered)


7. Trustee Cert of Default 2/11/26 at 9


MP proposes $2444 x 17 0%
Plan has run 46 months with 14 months remaining
Arrears: $17,656 thru January

Email InquiryRequest
Adjournment
2/11/2026 10:00 am24-13356 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
3/25/2026 10:00 am
Debtor has made 157 of 23 required payments   Arrears: $240.00
2/2 workup EDC

**LM will be complete if motion granted on 3/4 with no one left to pay. If granted we can confirm with paid to date and no further payments.


*filed another MP that will change payments yet again-needs Judge on 2/11 edc

*Per last time, cannot confirm MP, pattern of missing payments and not completing loan mod, trustee arrears

MP $1589.88 X 17; $1000 X 3; $3137.17 X 40; BASE lm 12/31/25

* This case shows a pattern of cases with payment step ups that never actually occur followed by modified plans all in the attempt to delay for a loan mod

*debtors can continue with trial mod outside of bankruptcy and file new case when resolved if they want.

*trustee objection:
-The trustee objects to the modification of the plan. The debtor defaulted on the original plan, requiring a trustee certification of default in June of 2025. A modified plan was filed in response and was confirmed in June of 2025 allowing for a delay in the loan mod deadline, a reduced payment and a large step up.
Once the modified plan was confirmed the debtor immediately stopped making payments forcing the latest trustee certification of default in September of 2025. Counsel filed another modified plan in response and wants to once again push back the loan mod deadline, reduce payments for several months followed by a large step up.
The pattern of missed payments and large step ups show that the past and current plans are not feasible and a showing of bad faith. The debtors can continue to pursue and complete the trial loan modification outside of the plan. Once that is completed they can file a new case should file a new case if necessary allowing for 60 month cure.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am24-20401 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 17 required payments   Arrears: $1,620.00
2/2 Workup edc

** got perm LM will pay outside and pay at 100% for next time
-case is 14 months old


*CONFIRM AT:
$10,738 PAID THEN $1620 X 44 BEG 3/1/16-100%--TRUSTEE WILL PAY THE IRS AND NJ CLAIMS THROUGH THE PLAN----PAY BANK OF AMERICA OUTSIDE PER LOAN MODIFICATION----trustee to receive any non-exempt lawsuit proceeds


- Santander filed a bifurcated claim which needs to be resolved - $10,725 is secured and $2,676.32 - the claim lists arrears of $13,401.32. THE MODIFIED PLAN SAYS IT IS BEING CRAMMED DOWN TO $0?? NO PAYMENTS MADE BY TRUSTEE?---amended


*MP n: $767 X 60; BASE --- ?ATTORNEY SAID IT WOULD BE 100% WHEN LAST PLAN DENIED DUE TO DISPOSABLE INCOME
---non-exempt proceeds from lawsuit

* Trustee objection to confirmation
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $5,623.63/month mortgage payment (per claim payment is $5,491.05); $708/month car insurance.--$541 per proof
- Verified income leaves monthly disposable income of $1,423.61.
- Reviewed the 22C, Line 16 (taxes) should be $1,881.81, line 17 (involuntary deductions) should be $20.70, and line 25 (health insurance) should be $161.50. Per the 22C, monthly disposable income is $2,534 which requires a minimum dividend of $152,070 to general unsecured creditors.
- Santander filed a bifurcated claim which needs to be resolved - $10,725 is secured and $2,676.32 - the claim lists arrears of $13,401.32. THE MODIFIED PLAN SAYS IT IS BEING CRAMMED DOWN TO $0?? NO PAYMENTS MADE BY TRUSTEE?

proposed plan $767x60 base plan with loan mod by 4/2025
paid in $2.301
arrears $767
last claim 7-1


-----------------------------------
RESOLVED ISSUES:
** NJ objection--claim for sales and use still estimated and 10 months old

1) US Bank (Frenkel Lambert) objection to confirmation - need to resolve
- Estimated prepetition arrears $379,868.85-ATT SAYS RECEIVED LM

- Need certification regarding all lawsuit money received within the last 2 years

- Amendments to Sched
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-10962 / MBKAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 14 required payments   Arrears: $95,000.00
2/4 workup for the 2/11 calendar edc

In order to confirm based on the claims filed it needs:

$564,116.95 paid to date with no further payments-100% based on equity of $564,116--- Preserve non exempt equity of $660,850 in real estate- amended proof of claim within 60 days resolving estimated NJ tax claims- trustee will put a hold on NJ tax claims pending resolution--trustee will pay Snyder claim--fee app within 7 days

-SAME ISSUES SINCE SEPTEMBER, EST IRS, NJ ETC., WE ARE HOLDING $563,000 BUT CAN'T DISBURSE BECAUSE OF THESE CLAIM
-house sold


INTERIM ORDER DOC29 REQUIRED:
x File a Motion to Approve Sale of real property-done
x Provide proof of all filed tax returns to the Trustee and resolve estimated claims of NJ
Division of Taxation #4-1 and IRS # 1-1
x Be current with all Trustee plan payments
x Respond to the following unresolved items in the Trustee's Calendar Disposition List
o Jennifer Snyder's late filed Proof of Claim #5-1, which is not provided for in
debtor's plan
o Provide the Trustee with:
? Domestic Support Obligation information
? Income Contribution Affidavit
Clear copy of auto insurance policy (RECEIVED)
Copy of Deed (RECEIVED)
7/28 workup for the 8/6 calendar


AMT 7/3: INTERIM SCH ORDER TO CHAMBERS/7 DAY:
--Withdraw Chapter 13 Plan Doc #11 on or before that scheduled hearing date of 7/16/25
--File a Motion to Approve Sale of real property
--Provide proof of all filed tax returns to the Trustee and resolve estimated claims of NJ Division of Taxation #4-1 and IRS # 1-1
--Be current with all Trustee plan payments
--Respond to Jennifer Snyder's late filed Proof of Claim #5-1, which is not provided for in
debtor's plan
--Provide the Trustee with:
? Domestic Support Obligation information
? Income Contribution Affidavit
? Clear copy of auto insurance policy
? Copy of Deed
AS OF 6/24/2025 (at):



1. NJ Division of Taxation filed an estimated claim #4 which needs to be amended. (STILL ESTIMATED)

2. Jennifer Snyder filed a late claim for in the am
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-14465 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
3/4/2026 10:00 am
Debtor has made 14 of 11 required payments   Arrears: $0
Atty will be filing a Motion to Convert-on for 3/4



AR RESOLVE OR HOLD
AS OF 2/5/26 (SF) BELOW ISSUES STILL APPLY - 109(E) ISSUE


1. Citizens Bank filed arrears claim 3-1 in the amount of $1021.56 which is not addressed in plan (OK TO PAY)

2. Citizens Bank filed arrears claim 10-2 in the amount of $564.60 which is not addressed in plan (OK TO PAY?)

3. Trustee objection:

- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e). Unsecured debt totals $574,546.62- sba loan taken out for $363,000 in 2022 (MUST RESOLVE)

- Proof of 2 month's income - Need February and March pay stubs for Lakeway (RECEIVED INCOME VERIFIES AT $735.55)

- The debtor must provide updated proof of auto insurance for the 6 vehicles listed on Schedule B. The policy provided expires on 7/1/25.
2012 Toyota Camry (RECEIVED)
2023 Toyota Highlander (RECEIVED)
1983 Mercedes (RECEIVED)
2019 Ford
2006 MCI
2006 MCI

- There is $115,302 in non exempt equity in the residence.

- There is $39,225 in non exempt equity in the vehicles.

- There is $11,345 in non exempt equity in the bank account.

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

4. Need valuations for the 3 vehicles to be sold


Plan proposes $1000 x 12; $1600 x 12; $2200 x 12; $2800 x 12; $3400 x 12; Min div of $116,978 to gucs; sale of two buses and one van in 6 months: '(2) 2006 MCI 4506 and (1) 2019 Ford E450 Van
Payments: Current $14,000 Received


RESOLVED:
- Proof of 2 month's income - Need February and March pay stubs for Leisure Chateau. (RECEIVED)
- Objection filed by Citizens Bank (Wilson) - failure to provide for arrears in the amount of $11,771.12 (Total debt claim 2-1 filed in the amount of $13,123.45) (atorney will pay)
Consent Order Entered
- The debtor has failed to file the required Pre-Confirmation Certification
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-14710 / MBKAndy Winchell, Esq.Confirmation Hearing on Modified PlanContinued
3/25/2026 10:00 am
Debtor has made 8 of 10 required payments   Arrears: $3,000.00
AR RESOLVE OR HOLD
10/23 Workup for the 10/29 calendar EDC

*debtor sent in updated P&L for 225 for EDC
*above debt limit of $526,700

MP $1500 X 36; $2000 X 8; $2700 X 16; BASE

LV Tower secured claim in the amount of $33,959 needs to be resolved-surrender

* Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$300/month for water and sewer
$900/month for child care
$726 & $954/month car payments
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)

- Verified income leaves monthly disposable income of $2,739. DEBTOR NEEDS THIS INCOME OTHERWISE CASE IS NOT FEASIBLE WITH STEPUP SINCE IT IS SPECULATIVE

- The trustee objects to the inclusion of the boilerplate language under part 53 of the exemptions regarding various potential claims and the blanket election of all "applicable" state and federal exemptions.

---------------
RESOLVED ISSUES:
- Debtor must provide proof that trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must provide for vesting at confirmation. (INSURANCE POLICIES NOT RECEIVED)
* Objection filed by Wells Fargo Bank (Brock & Scott) - failure to cure full arrears of $37,736.24. Plan proposes to pay $37,099.68. (RESOLVED)
- Schedule C exceeds the D1 exemption limit by $13,425. OK IRS PRIORITY AND SECURED CLAIMS EAT UP NEED FOR D1 EXEMPTION ON THE HOUSE
1. Nissan Motor Acceptance filed a bifurcated claim which needs to be resolved. resolved

2. Santander Consumer filed a secured arrears claim for the 2022 Ram in the amount of $738.23 which is not in the plan. Is the debtor going to pay this claim? resolved
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Need April and May statements for ETrade, Acorn and EToro USA investment accounts. (RECEIVED)
- The debtor has failed to file
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-16553 / JKSPRO SEObjection to ExemptionsContinued
2/25/2026 10:00 am

CREDITOR, REILLY OBJ TO EXEMPTIONS 522 (d)(1), (3), & (4)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-16553 / JKSPRO SEMotion to Transfer CaseGrantedCORRECTION BY THE COURT. MOTION UNOPPOSED TO BE HEARD ON THE PAPERS
TRANSFERRING CASE TO HON. JOHN SHERWOOD (SCHLAM STONE & DOLAN)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-16689 / MBKLeonard S. Singer, Esq.Confirmation Hearing on Modified PlanMoot - DismissedDebtor has made 0 of 9 required payments   Arrears: $0
case was dismissed by Judge on 1/26/26
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-16793 / MBKErik Frins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $0
conf with ewage in 7 days and extend plan months if necessary EDC

AS OF 2/11/2026 (at):

RECOMMEND: $1,000 PAID TO DATE, $500 x 33 BEGINNING 3/1/2026, BASE
- Debtor must sign up for e-wage within 7 days of confirmation.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification . (FILED)
- The debtor must provide updated proof of auto insurance for the 2015 KIA. The policy provided has expired. (RECEIVED)

Plan proposes: $500 x 36 beginning 10/1/2025, base
Payments: 2/5, arrears $1,500
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-17167 / MBKStephanie Shreter, Esq.Order Vacate Dismissal of CaseConfirmedDebtor has made 4 of 8 required payments   Arrears: $0
2/5 workup EDC

CONFIRM AT $1384 PAID THEN $487 X 53 BEG 03/01/2026 pro rata- TRUSTEE TO PAY IRS CLAIM--DEBTOR TO REMAIN ON EWAGE DURING THE DURATION OF THE CASE--

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. income verified lower than scheduled amount using paystubs provided. negative disposable income and much higher claim filed by the IRS. Needs $472 going forward

- The debtor has failed to supply the Trustee with the following document(s): Need to provide better copy of car insurance policy. Document provided does not clearly show the expiration date of the policy

proposed plan $110x60 base plan
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-17337 / MBKRoman Akopian, Esq.Order Vacate Dismissal of CaseConfirmedDebtor has made 7 of 8 required payments   Arrears: $0
updated 2/6/2026 (JMA)

OK TO CONFIRM AT $4,263 PAID TO DATE, $698X48 BEGIN 3/1/2026 100% PLAN
-PRE-CONFIRMATION CERTIFICATION TO BE FILED WITH COURT WITHIN 10 DAYS OF CONFIRMATION HEARING

issues as of 2/3/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - NOTED IN CONFIRMATION TO BE FILED WITHIN 10 DAYS AFTER CONFIRMATION
- The debtor has failed to supply the Trustee with the following document(s): Need June and July bank statements for the Capital One (NOT PROVIDED) and savings account $539 (PROVIDED STATEMENTS); The debtor must provide updated proof of auto insurance for the 2007 Chevy. The policy provided has expired.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as, $3,128/month mortgage payment (per the claim, payment is $2,900); $626/month for utilities; $582/month for car insurance (POLICY PROVIDED EXPIRED); Need proof of expenses 10 days prior to confirmation. (THIS IS 100% PLAN)
- The current Plan does not specify treatment of PNC Bank's secured arrears claim under the Plan. CLAIM FILED, PAY THROUGH PLAN
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $44,930 in non-exempt equity in the residence.
- Need a statement for the spouse's 401k loan (NOT PROVIDED). (100% PLAN)

proposed plan: $609x60 100% plan
paid in $ $3654
arrears $609
last claim 20-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-17656 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 8 required payments   Arrears: $0
AS OF 2/11/26 (SF) UPDATED


RECOMMEND $750 X 12 (BEGIN 8/1/25); $3,500 X 48 (BEGIN 8/1/26) BASE PLAN; LOAN MODIFICATION BY 4/17/26
- OK TO PAY ARREARS TO DEUTSCHE BANK PENDING APPROVAL OF LOAN MOD
- OK TO PAY IRS PRIORITY AND SECURED CLAIM 3-1
- OK TO PAY ARREARS CLAIM 6-1 TO AMERICREDIT FINANCIAL
- STUDENT LOANS TO BE PAID OUTSIDE PLAN
- LOW BASE



AR RESOLVE OR HOLD
AS OF 12/5/25 (SF) BELOW ISSUES STILL APPLY

1. Objection filed by Deutsche Bank (Woerner) - failure to pay arrears of $238,038.46 and speculative loan mod-ok loss mit

2. Loss Mit extended to 4/17/26-put in conf order

3. The IRS filed a priority claim in the amount of $52,775.92 which is higher than the proposed amount of $37,075.46-ok to pay

4. The IRS filed a secured claim 3-1 in the amount of $15,904.41 which is not addressed in the plan for 2010 GMC Light Acadia-V6 ok to pay

5. Americredit Financial Services filed an arrears claim 601 in the amount of $2466.69 which is not addressed in the plan-ok to pay

6. Trustee objection:

- The debtor(s) is not paying all disposable income into the plan:
Excess expenses $620/electricity; $780/telephone, cell phone internet; $400/personal care; $760/Health insurance - need to provide Trustee with supporting statements for excessive expenses. Must be submitted to Trustee within 10 days of confirmation hearing.


Plan proposes $750 x 12; $3500 x 48; Base; Loan Mod by 2/1/26
Payments: 7/7

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

Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-18431 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
3/4/2026 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $3,015.00
As of 1/16/26 (DS): 1. Debtors in arrears $3,015, made 3 out of 5 payments, last payment $1,249 made 11/18/25. Trustee obj to insufficient income verifying $663. Need E-wage, Debtors were making TFS payments.

2. ISSUES NOT RESOLVED:
- ALLY (LAURA EGERMAN) OBJ TO CRAM OF CAR.
- NEED BALANCE STATEMENTS FOR AGA STOCK ACCT, BALANCE STATEMENT FOR DEDUCTION ON PAY STUB FOR LOAN R $250 WKLY AND NAME OF ATTY HANDLING CLAIM AGAINST ILLEGAL DEBT ADJUSTER.

MP IN 14 DAYS

As of 11/14/25 (DS): 1. Ally Servicing (LAURA EGERMAN) obj to cram of 2023 GMC. Must resolve.

2. BELOW ISSUES REMAIN UNRESOLVED.

As of 10/3/25 (DS): Debtors atty requested adj to allow time to resolve all issues

10/8/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income. Disposable income verifies $663. Need E-Wage.
- Must provide statement for the AGA stock acct, balance statement for Debtor's "Loan R for $250 weekly" through employer and name of attorney handling claim against illegal debt adjuster.
- Zillow values the property at $469,300. Equifax values the property at $286,300. Need
explanation for large difference in value. PER ZILLOW 2 OF THE COMPS ARE HIGHER, SPAR AVE WAS SOLD 5/12/25 $530,000 AND MIZZEN AVE IS PENDING SALE $489,900. 3RD COMP OAK ST WAS SOLD 12/2024 $300,000. USING ALL 3 COMP AVERAGE $439,967.
- There is non-exempt equity in the residence $34,117. MOD PLAN PROPOSE 100%.

Prop Plan $1,249 x 60 begin 9/1/25; $0
Note: Mod plan filed to add arrears owed to PHH Mtg, Cavalry motion granted 12/10/25 claim to be treated as guc. Service to Ally ok. Updated auto insurance and Co-Debtor 401(k) loan balance statement provided and does not end to month 40.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-18487 / MBKHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanContinued
3/25/2026 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0
2/5 workup EDC

2 payments in arrears

* Need the stay relief order just in case it changes amount to Selene and to resolve Selene objection to confirmation

** Trustee objection to confirmation :
- The debtor has insufficient income. income verified lower than scheduled amount, disposable net is $337.42.
- All non-exempt proceeds for Personal injury case be paid to Trustee


* Navy Federal Credit Union filed secured claim for cash/rewards secured Visa, pay $1,999.30 to be paid in full through plan-SURRENDER
* Prestige Financial Services secured claim, proposes payment in full in the amount of $951.56.


proposed plan $500x30, $1,850x30 base plan
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-18667 / MBKBrian F. O'Malley, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 7 required payments   Arrears: $77.00
2/5 workup

*RECOMMEND CONFIRMATION AT:
$1500 PAID THEN $377 X 54 BEG. 3/1/26- 100% DUE TO EQUITY OF $125000--ATTORNEY TO FILE PRE CONFIRMATION CERT IN 7 DAYS


-amended I & J filed

Trustee objection:
- The debtor has failed to file the required Pre-Confirmation Certification .
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for new job at Ocean Early child Care Center
- 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
$125,895 in non-exempt equity in the residence.
- There is $971 in non-exempt equity in the bank account.

$322 X 60; MIN $16,280
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-18696 / MBKLARRY CHARLES MILLERConfirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $1,619.00
AS OF 2/5/26 (SF) DEBTOR IS NOT CURRENT WITH PAYMENTS: 4/6 ARREARS

Trustee objection:

-ATT AGREES TO EWAGE

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

- Need a copy of the homeowner's insurance renewal declaration - with personal liability coverage MK: the insurance was uploaded w/ the DEED
in 341 dox- it's ok

- Amendments to Schedules to add bank accounts

- The current Plan does not specify treatment of US Department of HUD mortgage claim under the Plan.

- There is nonexempt equity of $1539 in Credit Union Account which is not listed on Schedules B or C.

- 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).



Plan proposes 1617 x 60 0% Plan
Payments: 3/6 Arrears: $4851

RESOLVED:
- There is estimated nonexempt equity of $3,649.61 in real estate pending receipt of proof of claim (Moot, mortgage claim is higher)
- Must resolve Motion for Relief filed by Wells Fargo (ORDER ENTERED)




AS OF 12/10/25 (SF) Copy of trustee payment receipt in the amount of $1617 just received. No auto insurance NA NO AUTO ON SCH
HO INS SUBMITTED

AR DEBTOR TO BE CURRENT ,PROVIDE PROOF OF INSURANCE ABD SCH 341 FOR CASE TO CONTINUE
Attorney must request adjournment of 341 and confirmation hearings


Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-18994 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $12,317.00
to do ewage for $5243 going forward. If done can confirm on 3/25 EDC


As of 2/9/26 (DS): 1. Debtor in arrears $8,209, made 4 out of 6 payments.

2. MFR filed by Eastern Bank, Debtors owe post-pet arrears 9/1/25-12/1/25 total $31,635.80, Debtors opposition to recapitalize in plan. Sched 2/11/26 need outcome and amount.

3. After reviewing income and expenses disposable income verifies $4,530. Plan will require a Trustee payment if paying post-pet mtg arrears $31,635 or more over $5k.

MP IN 14 DAYS - MOD PLAN FILED 12/23/25

12/9/25 (DS): 1. DEBTORS ARE IN ARREARS $9,964, MADE 2 OUT OF 4 PAYMENTS. LAST PAYMENT MADE $4,982 11/7/25. ARREARS $8,209

2. BELOW ISSUES REMAIN UNRESOLVED.

As of 10/24/25 (DS): Debtor atty requested adj to allow time to resolve all issues.

As of 10/22/25 (DS): 1. Debtors in arrears $9,964, made 0 out of 2 payments. TFS PAYMENT $4,982 MADE 10/24/25

2. Trustee obj to the following:
- Must provide proof of Solar Incentives NJ program paid for solar panels by deposits made into bank acct from 3/1/25 - 8/1/25 or printout from Incentives NJ website from 3/2025-8/2025.
- 22c has excessive expense on Line 33 car payment $1,562.50.
- Sched J has excessive expenses: Electric/Heat/Gas $550 (verifies $526 mo), Car payment $1,875 and ADT equipment $120 (Plan is cramming equipment $1,000, no claim filed and being stricken).
- Disposable income verifies $4,440.
- Debtors have failed to provide proof of service with respect to Plan Motions. Must service ADT to street address, not PO Box-STILL SERVED AT PO BOX, BAR DATE HAS PASSED, NO CLAIM FILED.
- There is non-exempt equity in the residence $21,619.

3. BridgeCrest-2020 Tesla (GAVIN STEWART) obj to cram. Must resolve. COTBS $53,912.42 at 9.5% = $68,025 TO BE PAID - MOD PLAN SURRENDERS CAR

Prop Plan $4,982 x 60 begin 9/1/25; 0%
Note: Proof pf solar panel credit incentives provided 2/9/26. Service to Technology Credit Union and CarMax filed properly. Provided statements for 2 401(k) loans.
Eastern Ban
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-19324 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0
AS OF 2/4/26 (SF)

1. Adv. Complaint filed by debtor against Gary Goodman - Plaintiff seeks adjudication of the extent, validity and priority of the alleged equitable claim in property - trial date 2/9 at 11
- Motion for Summary Judgement Denied

2. Secured claim filed by Gary Goodman for $577,500 which is not addressed in the plan (Claim states 70% secured equitable claim in real estate) (MUST RESOLVE)

3. Objection filed by Freedom Mortgage (Spivack) - failure to pay arrears and speculative sale

4. Trustee objection:

- The debtor has insufficient income.

- The debtor has failed to file a feasible plan - Income is insufficient.

- The debtor has failed to supply the Trustee with the following document(s):

- Business profit & loss statements

- Business forms: from Health Coach business and Profit & Loss statements.

- Balance statement from Coin Base from 8/1/25-9/5/25.

- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over
exempts d(5), used full d(1), which remains $1,675 d(5).

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Home maintenance $300, Electricity/heat/gas $1,200, Food $1,100, Medical $400 and
Monthly legal expenses $1,000. Must provide proof of expenses 10 days prior to
confirmation. (100% PLAN)

- The current Plan does not specify treatment of Gary Goodman for $577,500 has no
attachments to claim under the Plan.

- Plan fails to provide for a prompt sale/refinance of the debtor's real property.

- There is non-exempt equity in the residence pending the resolution of the Gary Goodman claim, 2013 Acura $3,475, 1975 Gypsy $825, Equipment for sports $6,000, Line 11 $15,150, Line 12 $9,875, Line 14 $200, Line 17.1 to Line 17.6 $6,407, Line 17.7 $3,999 (pending statement) and Line 35 $200. (100% PLAN)

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

- Need Certification regarding transfers within the last 4 years. Certification should also addr
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-19574 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 6 required payments   Arrears: $0
2/4 workup EDC

3 payments in arrears-last payment 12/2

As of 12/5/25 (DS): Debtor atty requested adj to allow time to file mod plan to reduce Trustee payments since claims came in lower.

*SN Servicing motion for relief

needs $4800 paid then $2205 x 55 beg-100% to gucs
---trustee will not pay Howell Township unless a valid claim is filed
---debtor to signup for automatic TFS payments and remain on TFS during pendency of the case

1. SN Servicing (CHARLES WOHLRAB) obj that monthly mortgage payment is not $2,40, but $2,832.71, much higher leaving less disposable income $2,102 per Sched I & J and per Trustee calculations would be $2,315. POC filed for less.

2. Howell Tax Collector did not file a claim, plan proposed to pay $3,608 to be paid. Recommend striking and not paying. language added

MP $4800 PTD; $2100 X 58 BEG 12/2025; 100%
Note: Bank statements provided.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-19923 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $166.00
AR CONF OR DISMOISS
2/5 workup EDC
SAME AS LAST TIME

: Need to confirm at $3334.08 paid, $1000 x 55 begin 3/1/26; Base preserve $34000 due to non-exempt equity and add to confirming order Trustee ok to pay arrears claim#4-1 of Old Bridge MUA for $1,073.94

1. Trustee obj to the following:
- Excessive expense for childcare/education cost $2,383, no expense seen on tax return, but per bank acct verifies $983 for Aug and $1,438 for Sept. Will use average $1,211, unless proof is provided 10 days prior to confirmation.
- Recalculated income and it is not insufficient and would verify $2,121.
- Case is above median the issues remain with childcare on Line 21, also Line 29 additional education cost $200, Line 34 claim filed less, plus add MUA claim. Line 45 would have disposable income $1,359.80, which would require min. div. $81,588 to gucs.
- There is non-exempt equity in the residence $14,365.

2. Old Bridge MUA filed arrears claim for $1,073.94. Trustee ok to pay?

Prop Plan $833.52 x 60 begin 10/1/25; Dollar Base $35,551.07
Note: Income is not insufficient when you add back the amount not paid in childcare.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20219 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $613.00
As of 2/6/26 (DS): 1. State of NJ filed estimated tax claim, 2020-2024 not filed. Must resolve claim.

2. ISSUES UNRESOLVED AT LAST HEARING:
- IRS filed claim for $2,192.84. Trustee ok to pay?
- Add to confirming order any non-exempt proceeds from auto accident to Trustee.

12/10/25 (DS): 1. Debtor in arrears $1,839, made 0 out of 3 payments. DEBTOR ONLY OWES FEB. $613

2. IRS filed priority claim for $2,192.84, not in plan. Trustee ok to pay?

3. Trustee obj to add to confirming order any non-exempt proceeds from car accident to be paid to Trustee.

Prop Plan $613 x 60 begin 10/1/25; Base
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20337 / MBKCarlos D. Martinez, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
As of 2/5/26 (DS): Debtor atty requested adj to allow time to review Debtor's income which has decreased, will adjourn to 3/25/26, 3/4/26 is avoided and full
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20369 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 5 required payments   Arrears: $4,425.00
14 days for MP

2/5 workup EDC

Needs $10,496 going forward---this does not appear to be feasible with $7058 in disposable

1. Plan lists 1st Colonial Community Bank to be paid in full in the amount of $309,987. The bar date has passed and creditor did not file a claim. Debtors' attorney must file a claim on behalf of this creditor and a motion to allow the late claim.
ORDER ENTERED

2. Trustee's objection:
- There is $179,628.38 non-exempt equity in house. (LANGUAGE ADDED)
- There is $5,125 non-exempt equity in acct# 2785 (LANGUAGE ADDED)
TOTAL NON-EXEMPT EQUITY $179,628.38

Plan proposes: $7,375 x 60 beginning 11/1/2025, 100% plan

-------------------
resolved
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20372 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 3 of 5 required payments   Arrears: $154.00
issues as of 2/4/2025 (JMA)

1) Debtor not current with Trustee plan payments making only one out of 4 payments. Arrears to date $3,000
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis - for time shares - NOT PROVIDED
- Amendments to Schedules A and C to list time shares. NOT FILED
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $1,579.57.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,869.00 when determining disposable income. RESOLVED, INCLUDED IN INCOME ANALYSIS
- The current Plan does not specify treatment of claims filed by Westgate Vacation Villas. under the Plan. STILL NOT ADDRESSED, POC #6, SECURED CLAIM FOR $13,589.87; POC#7, SECURED CLAIM FOR $10,078.60. CLAIMS NOT TREATED IN PLAN
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $183,409 in non-exempt equity in the real estate.

proposed plan: $1,000x60 100% plan
paid in $1,000
arrears $3,000
last claim 12-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20377 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
As of 2/6/26 (DS): 1. Trustee obj to the following:
- Disposable income verifies $1,256.
- There is non-exempt equity in the residence $10,853.

2. Fifth Third-1st mtg (CORY WOERNER) obj to arrears owed, POC filed with arrears $6,436.90, plan propose as $0. OK TO PAY ARREARS

3. Capital One Auto (GAVIN STEWART) obj to cram of car. Must resolve obj.

4. Quorum FCU filed arrears claim $875.44. Trustee ok to pay? OK TO PAY

Prop Plan $250 x 12 begin 11/1/25; $750 x 48; Dollar Base $20,000
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20379 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 2/5/26 (SF) MP JUST FILED WAITING FOR NEW HEARING DATE

1. NJ Housing and Mortgage Finance Agency filed arrears claim 11-1 in the amount of $150 which is not addressed in plan (OK TO PAY?)

2. Trustee objection:

- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $308 ends in month 21.

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

- Amendments to Schedules B and C to add 2003 Dodge Durango shown on auto insurance . (Cert provided that 2003 Dodge is daughter's vehicle)

- The debtor must provide proof of auto insurance for the 2002 VW Jetta and none provided. (Cert provided that 2002 Volkswagen is inoperable)


Plan proposes $490 x 36 Base
Payments: 4/4



RESOLVED:
- There is estimated to be non-exempt equity in the residence pending updated CMA with recent comps (Zillow values property $321,000) and may be non-exempt equity in the 2003 Dodge (Pending amended Schedules). (Updated CMA with comparables provided)

- Need a current market analysis - with recent comps, 2 comps are from 2024, 1 comps is a 2
bdrm and small. Zillow value property more.

- The debtor must provide proof of auto insurance for the 2004 Jeep Liberty, none provided. (RECEIVED).

- A Modified Plan that removes attorney fees $2,461 to be paid or amended attorney disclosure to mark off will be paid through plan. (Disclosure Statement Amended)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20530 / MBKMoshe Rothenberg, Esq.Confirmation Hearing ScheduledMoot - Converted to 7 / 11Debtor has made 1 of 5 required payments   Arrears: $0
AMT: NTC TO CONV TO CH 7 FILED , DOC #27<>

As of 2/6/26 (DS): 1. DEBTOR IN ARREARS $1,350, MADE 1 OUT OF 4 PAYMENTS, LAST PAYMENT MADE 12/10/25 $450.

2. ISSUES STILL NOT RESOLVED:
- WELLS FARGO BANK SAVGS ACCT#777.
- DISPOSABLE INCOME VERIFIES $1,174.

As of 12/9/25 (DS): 1. Debtor in arrears $900, made 0 out of 2 payment.

2. Trustee obj to the following:
- Must provide Sept. & Oct. bank statements from Wells Fargo savings acct#777. ATTY PROVIDED SAME STATEMENTS FROM ACCT#979
- Disposable income verifies $1,174 which is much higher than scheduled and tax refund $361 not listed on Sched I.
- Add to confirming order Trustee standard order of distribution.

3. Exeter Finance (WILLIAM E. CRAIG) obj to cram. Must resolve. COTBS $17850 @9.5%=$22,492.99 over 60 mo.

Prop Plan $450 x 60 begin 11/1/25; 0%
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20531 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $2,010.00
AS OF 2/6/26 (SF)


1. Objection filed by Santander (Craig) - objects to cram, 910 claim (Claim 4-1)

2. Santander filed secured claim 3-1 with zero arrears which is not addressed in plan.

3. Wells Fargo filed arrears claim 13-1 in the amount of $851.76 which is not addressed in plan (OK TO PAY?)

4. IRS claim 36-1 is much higher than amount listed in plan $19,520.68

5. Trustee objection:

- The debtor has insufficient income.

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

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

- There is $42,063 in non exempt equity in the residence.



Plan proposes $2010 x 60 Base
Payments: 3/4 Arrears: $2010

RESOLVED:
- The debtor must provide updated proof of auto insurance for the 2020 Accent and 2020
Elantra. The policy provided has expired. (RECEIVED)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20544 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0
MP 14 DAYS

AS OF 2/10/2025 (at):

PLAN IS NOT FEASIBLE. UNSECURED CLAIMS TOTAL $427,462. DEBTOR HAS INSUFFICIENT INCOME TO PAY 100% OR EVEN NON EXEMPT EQUITY.

Trustee's objection:
- The debtor has insufficient income. Disposable income is negative. (CURRENT)
- The debtor has failed to supply the Trustee with the following document(s):
- Business profit & loss statements (CLOSED)
- Business forms: (CLOSED)
- A copy of the homeowner's insurance renewal declaration - Current policy expired 5/1/25. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $9608.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
1) There is nonexempt equity of $14,988 in Wells Fargo Checking Account (LANGUAGE ADDED)
2) There is nonexempt equity of $324,877 in real estate (LANGUAGE ADDED)
- Wells Fargo levied bank account within 90 days of filing. Needs motion to turnover funds.
- The plan should provide for the payment of investment funds to the trustee within 6 months.

Plan proposes: $600 x 60 beginning 11/1/2025, 100% plan
Payments: 4/4
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20704 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
issues as of 12/4/2025 (JMA)

1) Silverstone Properties D/B/A Woodbrook - no claim filed to date, bar date has passed
-plan proposes an 18-month cure
-Needs a motion to file late claim

proposed plan $625x36 base plan
paid in $2,500
last claim 9-1


Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20708 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $0
As of 2/6/26 (DS): Recommend confirming at $2,000 x 4 begin 11/1/25, $4,097 x 56 begin 3/1/26; 100% with a min. div. $69,182 to gucs due to non-exempt equity and add to confirming order Trustee ok to pay the arrears claim#7-1 of NewRez $672.81

1. Trustee obj to the following:
- 22C has disposable income $6,152.78, which would require min. div. $369,167 to gucs or
100%.
- Disposable income verifies $7,786, deducting the difference with expenses verified and tax refund $11,299 not on Sched I.
- Excessive expenses: Home maintenance $500 (HVAC proposal contract dated 6/27/25 and painting invoice provided dated 7/28/25 w/balance due $1,171.93, not sure if paid, no proof provided, HOA $1,500 (none provided, none on Zillow), Electricity/heat/gas $675 (verifies $523), Tele/cell/internet $750 (verifies $407), Entertainment $350 and Spouse credit card $2,000. Atty provided water/sewer bills verify $136 monthly Sched J has $200.
- There is non-exempt equity in the residence $67,111 and 2020 Honda $2,071 total $69,182.

2. NewRez filed arrears claim for $672.81. Trustee ok to pay?

Prop Plan $2,000 x 60 begin 11/1/25; Dollar Base $120,000.00
Note: Statements for 10 Capital One Bank accts, 2 Wells Fargo Banks accts, 2 Betterment accts, Schwab One and Equitable Whole Life insurance statements provided.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20779 / MBKCarlos D. Martinez, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 5 required payments   Arrears: $0
AS OF 2/5/26 (SF) Per atty, ok to dismiss/hold fees - Atty will file fee application for hourly fees


No updated proof of income provided. Debtor is no longer current with payments. No payments received for December, January or February. Arrears: $2640



RECOMMEND $800 X 1 (BEGIN 11/1/25); $1,292 X 35 (BEGIN 12/1/25) 100% PLAN; BASE PLAN
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 7 DAYS
- MUST PROVIDE CERTIFICATION REGARDING BUSINESS LOSSES FOR LLC FROM 2023 AND 2024
- ATTORNEY MUST FILE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER


Trustee objection:

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

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Auto insurance $500 and Spouse debt $949. Must provide proof of expenses 10 days prior to
confirmation.

- Income verifies high $8,884, pending proof of expenses, will be able to determine disposable
income. As of now verifies $2,819. (REQUIRES 100% PLAN)

- The Schedules fail to account for the debtor(s) tax refund in the amount of $2268 when
determining disposable income.

Attorney needs to file fee app within 7 days from confirming order.

- Debtor to provide clarification of business losses from 2023 and 2024 since he claims he never opened the LLC.

Plan proposes $880 x 36 Base
Payments: 1/4 Arrears: $2640






Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20848 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $524.00
As of 2/3/26(mk)

2/4 payments. Sale plan and no realtor retained and according to Zillow is off market as of this date

>>THIS IS A SINGLE ASSET CASE. Other than the 2 mtgs co -NO CLAIMS FILED-there is 1 unsecured creditor and atty fees to be paid. No equity in real property

Property is under water

MTG CO NEVER FILED A POC

1. Objection by NewRez(Stewart legal Group):
- plan does not include paying arrears while sale pending

2. Trustee Objection:
- The debtor has failed to file a feasible plan - prospective in rem relief was granted to the mortgage creditor in December 2025.sale plan by Feb but not currently listed for sale.


Plan: $262 X 60; SALE 2/1/26 (#2310): BASE
2/4 payments
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-20861 / MBKKevin S. Quinlan, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 6 of 5 required payments   Arrears: $0
MP 14 DAYS

AS OF 2/5/26 (SF)

1. Motion for Relief filed by JPMorgan Chase scheduled for 3/4/26 at 9 (NEED OUTCOME)

2. Are there 1 or 2 mortgages? The plan lists two mortgages in part 4c

3. Trustee objection:

- The debtor has insufficient income. Per 2024 1099 form Debtor income is $15,243.68 for the
year of 2024 and is old and verifies insufficient. Would require 2025 1099 Form.

- The debtor has failed to supply the Trustee with the following document(s):

- Need copy of 2025 1099 Forms.

- Need a Modified Plan that propose a sale date that has not expired. Plan has sale by 12/30/25.

- The debtor has undertaken an improper use of exemption. Specifically: Schedule C takes d(1) exemption, Debtor does not reside at Coral Lane and is only allowed to take d(5) remaining $16,575.

- The circumstances and contents of the debtor's Plan, when taken in their totaility, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
Plan fails to propose the non-exempt equity on the sale of the property.

- There is non-exempt equity on the real property $83,706.

- Add to confirming order non-exempt proceeds from sale of Coral Lane property to Trustee .


Plan proposes $100 x 60 Base Plan, Sale by 12/30/25
Payments: 4/4



Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-21727 / MBKPRO SEConfirmation Hearing on Modified PlanDeniedDebtor has made 400.00 of 4 required payments   Arrears: $0
sen to Anita
trustee submit order
debtor to file MP within 14 days--
stay relief granted to allow debtor and bank to pursue there rights in the state and Federal Courts


2/2 Workup edc


-final Judgement of $484,000 on mortgage

**debtor is attempting to void mortgage and remove most of the filed claim. the objections are deficient for service.

As of 1/20/26 (DS): Mod plan filed 1/13/26, but will not be able to adjourn since there is no homeowner insurance for NY property. Debtor will need to appear to confirmation hearing and was informed by MK of same. INSURANCE PROVIDED

1. Trustee obj to the following:
- Must provide CMA for NY property and 2 months income for Freelance.
- Need a mod plan that specifies treatment of Kubota arrears claim $10, marks off Part 8 Vesting of property of the estate upon confirmation (vesting must occur at confirmation) and adds to Part 8c Trustee standard order of distribution.
- There is non-exempt equity in the residence $18,753. DEBTOR OBJECTED SO VALUE NEEDS TO BE DETERMINED.

-Investment acct ending #073 portfolio value $615,496.28 - is this an investment account or a retirement account? SENT IN STATEMENT SHOWING $3900 IN DIVIDENDS. THIS IS INVESTMENT ACCOUNT AND AMOUNT NEEDS TO ADDED TO EQUITY

- Acct #c8a5 Balance 11/30/2025 $4,129.52 - Not on Schedule A/B
- Acct ending #761 balance as of 11/28/2025 $5170.17 - Not on Schedule A/B
- Business acct ending #099 balance $1,026.05 - Not on Schedule A/B
- Business acct ending #533 balance $1,745.12 as of 11/25/2025 - Not on Schedule A/B
- Acct #770 balance as of 11/30/2025 $4,287.69 - Not on Schedule A/B
- Acct #125 balance as of 11/2025 $16,266.56 - Not ron Schedule A/B
- Acct #372 balance as of 11/28/2025 $385.99 - is on Schedule A/B
- Cash App acct as of 10/25/2025 $6.72 - Not on Schedule A/B
- Must resolve TD Bank and Kubota objections.
- Must file Pre-confirmation certification with the Court.

2. TD Bank-NJ Property (DUANE MORRIS, LLP) obj to plan not filed in good faith and
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22219 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0
corrected terms 2/11/026 (JMA)
updated 2/10/2026 (JMA)

TO CONFIRM NEED $4,000 PAID TO DATE, $3,680X57 BEGIN 3/1/2026 100% PLAN

issues as of 2/4/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification-RESOLVED, FILED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $350; Electricity/heat/gas $625; Tele/Cell/Internet/Cable $732; Food $1,300; Clothing $500; Personal Care $250; Entertainment $475; 3 car payments $549,
$359 and $562. So long as plan remains 100% Trustee will allow expenses - RESOLVED, ALL ALLOWED AS LONG AS CASE REMAINS 100%.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): 22C has disposable income $5,384.80. (OK, 100% PLAN)
- Disposable income verifies $7,000. Plan propose 100%.
- Rocket Mortgage filed arrears claim for $1,359.20.
- student loans outside

proposed plan $2,000x60 100% plan
paid in $4,000
arrears $2,000
last claim 40-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22275 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $1,200.00
ISSUES AS OF 2/5/2026 (DM):

***To resolve Trustee objections below, RECOMMENDING CONFIRMATION AT $1,200 x 60 STARTING 12/1/25, 100% PLAN WITH $20,792 EQUITY THRESHOLD PRESERVED, ATTORNEY FEE APP SHALL BE FILED WITHIN 7 DAYS***

1) Trustee OBJ:
- There $20,792 non-exempt equity in bank account.
- Need 401k loan balance statement (UPLOAD OF TRINET DOCUMENT DOES NOT APPEAR TO SHOW LOAN OR BALANCE. new doc uploaded 1/16/26.)

- Need to amend Form 122C from a household of 4 - no dependents (CERT FILED AS DOC #12 ASSERTS HE SUPPORTS HIS MOTHER, FATER, BROTHER & SISTER - FORM 122C TAKES A HIGHER MEDIAN FAMILY INCOME, THEREFORE DEBTOR SHOULD SUBMIT THE INCOME INFORMATION FOR THESE ADDITIONAL MEMBERS OF THE HOUSEHOLD.)

- Excessive Expenses: $1,000 food, clothing $150, $440 transportation (CERTIFICATION ASSERTS THAT EXPENSES ARE REASONABLE GIVEN THE HOUSEHOLD SIZE - INCOME FOR THE OTHER MEMBERS OF THE HOUSEHOLD SHOULD BE CONSIDERED.)

- Need to file Pre-Confirmation Certification (FILED.)
- Need a Fee App within 7 days.


Prop. Plan $1,200 x 60, Base Plan
PTD 2/3 = $2,400
Last Claim (7-1)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22413 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
As of 2/5/26 (DS): 1. Trustee obj to the following:
- Add to confirming order Debtor to amend Schedule I and provide 2 months proof of income once employed.
- There is non-exempt equity in the residence $72,900.
- Add to confirming order non-exempt proceeds from auto accident to Trustee.

2. State of NJ filed estimated tax claim, 2019-2024 tax returns not filed. Must resolve claim.

Prop Plan $1,773 x 60 begin 12/1/25; 100%
Note: Service to First American Bank done 12/22/25. Proof of mother's income provided.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22486 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $338.00
2/11/26 Atty accepts terms

As of 2/10/26 (DS): Need to confirm at $1,687.50 paid, $675 x 33 begin 12/1/25; $1,292 x 27 begin 9/1/28; Base with a min div. $27,202.77 (preserve $17,640 due to non-exempt equity);
- Section 1c to be stricken, no longer doing a loan mod and pay mortgage arrears claim#8-1 of M&T Bank $12,638..
- Add to confirming order Trustee ok to pay arrears claim#7-1 of M&T Bank $1,053.68.
- Add to confirming order Debtor to provide updated proof of income and 2025 tax return 6 months from confirming order.
- Debtor must do E-wage 7 days from confirming order.

1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $89. Debtor must sign up for e-wage within 10 days of confirmation. DEBTOR ATTY HAS INFORMED ME THAT DEBTOR IS NOT WORKING PART TIME JOB. DISPOSABLE INCOME VERIFIES $89.
- Must provide 2 months proof of income from Debtor's part time job prior to filing (only provided 1 pay stub) DEBTOR IS NOT CURRENTLY WORKING PART TIME JOB and Oct. and Nov. bank statements from Bank of America acct#25. PER ATTY BANK ACCT BELONGS TO EX-SPOUSE
- There is non-exempt equity in the residence $17,640.

2. M&T Bank-1st mtg (BROCK & SCOTT) obj to arrears need to be paid, POC filed arrears owed $12,638. Must resolve obj. COTBS PAY ARREARS NO LONGER DOING LOAN MOD PER DEBTOR ATTY

3. M&T Bank-2d mtg filed arrears claim $1,053.68. Need to confirm if loan mod will be done on 2nd mortgage as well since plan propose not to pay arrears. THIS IS NOT PART OF OBJ FILED BY BROCK & SCOTT.

Prop Plan $675 x 33 begin 12/1/25; $810 x 27; Dollar Base $27,202.88 and Loan mod on Allaire Rd by 5/1/26
Note: Tax refund not on Sched I.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22494 / MBKStuart M. Nachbar, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $262.00
per Nachbar they made $422 payment on 2/5 then $422 on 2/8

AS OF 2/6/2026 (at):

DEBTORS HAVE MADE LESS THAN ONE OF THREE TRUSTEE PAYMENTS.

*debtor took out $46,000 loan from employer less than a year ago and paid off other debts. Payments may be deemed preferences. Attorney will file certification regarding this. EDC (RECEIVED CERTIFICATION OF DEBTOR - MONEY PAID LOANS AND CREDIT CARDS)

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):
- Need copies of loan statements for 3 loans listed on Debtor's pay stub. (RECEIVED - LOAN PAID OFF IN 1/2029 - ADDITIONAL $270/MONTH IN INCOME BEGINNING 2/2029)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
1. Disposable income per Schedules I and J verifies at $1274.56.
2. 122C: Line 25 Need proof of $890.27 health insurance payment; Line 43: 401k loan deduction of $1145.65 appears to be excessive. The balance of retirement loans should be divided over 60 months. Need 401k loan statements. (RECEIVED)

Plan proposes: $422 x 60 beginning 12/1/2025, base
Payments: 0/3, arrears $1,169
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22539 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
3/4/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,100.00
issues as of 2/3/2026 (JMA)

1) 341 not held, rescheduled for 2/19/2026.200
2) Need to request adjournment of confirmation hearing to allow 341 hearing to be held

proposed plan $1,100x60 100% plan
paid in $2,200
arrears $1,100
last claim 6-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22623 / MBKMichelle Lee, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
AS OF 2/4/26 (SF)

341 not held - rescheduled to 2/19/26
Payments: 2/3 Arrears: $150



Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22624 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 20 of 4 required payments   Arrears: $0
UPDATED 2/9/2026 (JMA)

OK TO CONFIRM AT $11,200 PAID TO DATE, $600X8 BEGIN 3/1/2026, $1,350X50 BEGIN 11/1/2026 100% PLAN WITH MINIMUM $51,555 GUCS

issues as of 2/4/2026 (JMA)

1) CrossCountry Mortgage, LLC (KML) objection to confirmation - NEED TO RESOLVE
- On or before the Bar Date of 2/4/2026 Secured Creditor will file a secured proof of claim for an estimated pre-petition arrears in the amount of $52,801.54
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): The income provided is higher after including bonuses.
- 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 $4,575 non-exempt equity in Mitsubishi; There is $45,302.94 non-exempt equity in house
TOTAL NON-EXEMPT EQUITY $49,877.94 - MORTGAGE CLAIM LOWER INCREASES NON-EXEMPT EQUITY IN HOUSE TO $46,977.32 AND TOTAL NON-EXEMPT EQUITY IS $51,552.32
-Chase acct #6705 balance as of 10/27/2025 $782.38 - higher than amount reported on Schedule A/B;
-Chase acct #8557 balance as of 10/8/2025 $29,175 - higher than amount reported on Schedule A/B;
-Chase acct #3047 balance as of 10/27/2025 $2,200 - higher than amount reported on Schedule A/B;

proposed plan $600x10, $1,350x50 (Lump Sum $10,000 on hand) minimum $21,848
paid in $11,200
arrears $600
last claim 7-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22636 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $1,400.00
AS OF 2/3/2026 (at):

Trustee's objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $523 ends in month 5.
- 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):
- Balance statements on Savings Plan Loan 1, 2 and 3 (Deductions shown on Debtor's pay stubs), Oct & Nov bank statements from Chase Bank acct, Bank of America HSA and UMB HSA. (ONLY NEED SAVINGS PLAN LOAN STATEMENTS)
- The debtor has undertaken an improper use of exemption. Specifically: Sched C improperly uses 522(d)(7) exemption on Bank of America HSA and UMB HSA only allowed to use
remainder 522(d)(5).
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- 22C-1 Line 13 has excessive expenses as to spouse student loans $330, Spouse support for Family $500, Non-household/Pet care $2,125 total $2,955 and 22C-2 Line 22 Additional
healthcare $332, Line 26 Contribution to care of household of family members $600 (Already has $500 on 22C-1), Line 27 Protection against family violence $50, Line 30 for Additional Food/Clothing $52, Line 31 Charitable Contribution $200 (Sched J has $250 they do not agree), Line 41 has Loan $2,400.21 (Verifies $986.61) and Line 43 Deduction for special circumstance for spouse $1,700 (Already has many deductions for spouse $3,357). Must provide proof of expenses 10 days prior to filing date.
- Sched J has excessive expenses: Mortgage $4,800 (verifies $4,610), Home maintenance $316, Tele/cell/internet/cable $525, Pest Control $126, Food $1,300, Personal Care $287 (Also listed $700 for spouse personal care expenses, which should be for both), Medical/Dental $1,100, Entertainment $400, Estimated Taxes for 2025 $500, Pet Care $950 and Spouse expenses $700 total $1,650 on 22C $2,125 (Spouse expenses already part of
Sched J). Must provide proof of expenses 10 days prior to confirmation. (PROOF OF EXP
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22708 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $200.00
As of 2/5/26 (DS): Ok to confirm at $200 x 36 begin 12/1/25; Base

Prop Plan $200 x 36 begin 12/1/25; Base
Note: Auto and homeowner insurance provided. 401(K) loan payment $205.74 ends 7/15/26, which coincides with family contribution.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22729 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $540.00
AS OF 2/11/26 (SF) UPDATED

RECOMMEND $516 X 1 (BEGIN 1/1/26); $540 X 59 (BEGIN 2/1/26) 100% PLAN W/ MIN DIV OF $66,688 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- OK TO PAY ARREARS CLAIM 7-1 TO CITIMORTGAGE



OK TO CONF AT 100%

AS OF 2/10/26 (SF) UPDATED

1. Objection filed by CMG Mortgage Inc (Aleisha Jennings) - failure to pay arrears of $6,086.31-OK TO PAY

2. Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Children's Education Cost $680 (2023 tax return showed $528 for education);
Auto insurance $380 (verifies $353);Car payments $397 and $499 and spouse expenses $1,537.
Must provide 10 days prior to confirmation. Plan propose 100%, may not be needed if proposing 100%.

- There is non-exempt equity in the residence $66,688 (100% PLAN.)


Plan proposes $516 X 60 100% Plan
Payments: 1/2 Arrears: $516

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- A copy of the last filed tax return - for 2024. (RECEIVED)

Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22731 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $81.00
UPDATED 2/10/2026 (JMA)

OK TO CONFIRM AT $3,146 PAID TO DATE, $1,481X58 BEGIN 3/1/2026 100% PLAN
-CARRINGTON MORTGAGE SERVICES LLC/PENNYMAC - OTBS 30 DAYS AFTER CONFIRMATION

issues as of 2/5/2026 (JMA)

1) PennyMac Loan Services, LLC (Fein Such) objection to confirmation - OTBS 30 DAYS AFTER CONFIRMATION
- The amount to be paid to Secured Creditor is $1,623 with regular payments outside plan
2) Trustee objection to confirmation - RESOLVED
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $3,007. (100% PLAN)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,304 when determining disposable income - RESOLVED, INCLUDED IN INCOME ANALYSIS
- 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 $261,193 in non-exempt equity in the residence (100% PLAN.)

proposed plan $1,396x60 100%
paid in $3146
last claim 13-1

RESOLVED ISSUES:

- The debtor must provide updated proof of auto insurance for the 2015 VW and the 2014 Hyundai. The policy provided expires on 12/30/25 RESOLVED, PROVIDED RENEWAL
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A copy of the homeowner's insurance renewal declaration - prior to confirmation. Policy expires on 1/24/2026 - RESOLVED, POLICY PROVIDED EFFECTIVE THROUGH 1/24/2027
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22764 / MBKMitchell L. Chambers, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
As of 2/9/26 (DS): Confirm at $100 x 60 begin 1/1/26; 100% with a min. div. $194,399 to gucs due to non-exempt equity;
- Sale of residence by 6/30/26, Debtor to pay adeq protection payment $800 directly to creditor, arrears not to be paid pending sale.
- Add to confirming non-exempt proceeds from sale of residence to Trustee and non-exempt proceeds from lawsuit to Trustee.
- Within 7 days must file Pre-confirmation certification.
- LOW BASE

1. Trustee obj there is non-exempt equity in the residence $194,021 and jewelry $375 total $194,399 and to confirming order non-exempt proceeds from sale of residence to Trustee and non-exempt proceeds from lawsuit to Trustee.

Prop Plan $100 x 60 begin 1/1/26; 100% and Sale of Dryden Dr by 6/1/26
Note: Obj with Nationstar resolved adeq prot payments $800 directly to creditor, arrears not to be paid and sale by 6/30/26.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22788 / MBKJenee K. Ciccarelli, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $145.00
As of 2/5/26 (DS): Debtor atty requested adj, 341 sched 2/19/26, will need to adjourn to 3/25/26 due to 3/4/26 full and avoided
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22802 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $2,154.00
AS OF 2/10/2026 (at):

RECEIVED PROOF OF ONE TFS PAYMENT OF $1,077 DATED 2/10/2026.

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

Trustee's objection:
- Amendments to Schedules A/B and C to add 2016 Mercedes value.
- Must resolve IRS estimated tax claim, 2020-2024 not filed (STILL ESTIMATED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $131,320. (LANGUAGE ADDED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - from mother contributing $4,400 monthly. (RECEIVED)
- Columbia Bank balance statement from 11/30/25-12/3/25. (RECEIVED)

Plan proposes: $1,077 x 60 beginning 1/1/2026, 100% plan
Payments: 0/2, arrears $2,154.00
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22882 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $500.00
UPDATED 2/10/2026 (JMA)
issues as of 2/5/2026 (JMA)

1) Wells Fargo Bank NA (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- The Plan erroneously lists Creditor as a Secured Claim Unaffected by the Plan in Part 4(f). Although Creditor has not yet filed a Proof of Claim, it is anticipated that the claim will include pre-petition arrearage estimated at $3,591.76.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $1,035 ends in month 29. NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Proof of pension income - for Debtor in February 2026 when Debtor is to retire - RESOLVED, STATEMENT PROVIDED CONFIRMING RETIREMENT DATE,
- 2 months (Oct & Nov) bank statements from Bank of America checking acct#4849, #1341 and savings acct#8114 prior to filing date, shown on acct#7242 - RESOLVED, STATEMENT PROVIDED FOR ALL 4 ACCOUNTS.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Lawn Care $120 (2024 tax return list Debtor had his own landscaping business), Pool Care $270, Auto insurance $250 (verifies $230) and Car payments $1,035.45 and $344.18.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): 22C has disposable income $5,921.69. Plan propose 100%.
- Disposable income verifies $5,747.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,605 when determining disposable income -RESOLVED, INCLUDED IN LIQUIDATION ANALYSIS
- The current Plan does not specify treatment of US Dept of HUD under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22901 / MBKBruce Radowitz, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,000.00
AS OF 2/5/26 (SF)

Trustee objection:

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

- A copy of the homeowner's insurance renewal declaration - Need copy of current homeowner's insurance declaration page. (RECEIVED)

- Need copy of whole life insurance policy declaration page

- There is nonexempt equity of $1285 in Money Network account.

- 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).

- IRS priority claim is estimated. Need amended claim.

- Must provide bank statements for Bank of America and Credit Union of NJ for October and
November 2025.


Plan proposes $1000 x 60 Base Plan
Payments: 1/2 Arrears: $1000

Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22916 / MBKBruce H. Levitt, Esq.Confirmation Hearing ScheduledContinued
3/4/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
issues as of 2/3/2026 (JMA)

1) 341 not held, rescheduled for 2/19/2026
2) Need to request adjournment for the confirmation hearing to allow 341 hearing to be held.

proposed plan $1,000x36 base plan
paid in $1,000
arrears $1,000
last claim 24
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22944 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
As of 2/5/26 (DS): 1. Trustee obj to the following:
- Excessive expenses on Sched J: Home maintenance $400 and car payment $1,207. Plan propose 100%.
- 22C has disposable income $1,934.62. Plan propose 100%.-OK TO PAY

- There is non-exempt equity in the residence $112,090, Baseball cards/stamps $2,950, Bank of America acct#50 $23, PNC Bank acct#151 $438 and in jewelry $20,750 total $136,251. TOTAL GUCS FILED $52,429.77, RECOMMEND WAITING PASS BAR DATE 2/17/26.

2. Rocket Mortgage (ALEISHA JENNINGS) obj to arrears owed are more, POC filed with arrears $19,134.96. Must resolve obj.

3. US Dept of HUD filed claim, not in plan. This was used to determine the non-exempt equity in the residence. Trustee will add this creditor to be treated outside, no arrears owed.

4. Add to confirming order fee app within 7 days from confirming order.

5. Must file Pre-confirmation certification.

Prop Plan $2,590 x 60 begin 1/1/26; 100%
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22947 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $650.00
AS OF 2/3/2026 (at):

RECOMMEND: $650 x 36 BEGINNING 1/1/2026, BASE
- Student loans will be paid outside of the plan.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - new job at Bank of Princeton (RECEIVED ONE PAY STUB)

Plan proposes: $650 x 36 beginning 1/1/2026, base
Payments: 2/2
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22950 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0
AS OF 2/5/26 (SF) NO PAYMENTS ARREARS: $1390


Trustee objection:

- The debtor has failed to file the required Pre-Confirmation Certification .
- Domestic Support Obligation information for support recipients
- Must resolve IRS estimated tax claim, 2021-2023 not filed.



Plan proposes $695 X 36 Base Plan
Payments: 0/2 Arrears: $1390




Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22970 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
3/4/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,301.00
341 HELD AND DEBTOR CURRENT BY 3/4 OR d

AS OF 2/10/2026 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 is scheduled for 2/19/2026. (READY)
2. Payments: 0/2, arrears $2,602
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22974 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $500.00
issues as of 2/4/2026 (JMA)

1) MidFirst Bank (LOGS Legal Group LLP) objection to confirmation - NEED TO RESOLVE
- Secured Creditor owed estimated pre-petition arrears $79,104.30
- Loan Modification is speculative and does not provide direction in the event this loan modification is not offered.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- 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 $38,668.79 non-exempt property in residential property.

proposed plan $500x12, $1,500x48 with loan mod by June 2026 100% plan
paid in $500
arrears $500
last claim 9-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-22982 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 2/11/2026 (JMA)

OK TO CONFIRM AT $1250X60 BEGIN 1/1/2026 BASE PLAN

issues as of 2/4/2026 (JMA)

1) Global Lending Services LLC (Stewart Legal Group) objection to confirmation - NEED TO RESOLVE
Creditor filed Proof of claim 13-1 in the amount of $28,525.57 which includes arrears of $1853.41--OK TO PAY ARREARS

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED

- The debtor has failed to supply the Trustee with the following document(s): A copy of the homeowner's insurance renewal declaration, prior to confirmation. Policy provided expires on 1/27/26. RESOLVED

proposed plan $1,250x60 base plan
paid in $1,250
arrears $1,250
last claim 18-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23033 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
as of 2/4/2026 (JMA)

ok to confirm at $400x36 base plan

proposed plan $400x36 base plan
paid in $400
arrears $400
last claim 3-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23043 / MBKJohn D. DiCiurcio, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23053 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $525.00
AS OF 2/9/2026 (at):

1. The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED FOR 2021)

2. Trustee's objection:
- The debtor has insufficient income. (CURRENT)
- The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that increases trustee payment by $325 in month 17 when pension loan is paid off. (MODIFIED PLAN NOT FILED)

RESOLVED ISSUES:
- The debtor must provide updated proof of auto insurance for the 2006 Lexus, 2019 Hyundai and 2018 Infiniti. The policy provided expires on 1/8/26. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on One Main Financial. (CERT OF SERVICE FILED)

Plan proposes: $525 x 48 beginning 1/1/2026, $0 to unsecured creditors
Payments: 1/2, arrears $525
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23069 / MBKFrancis P. Cullari, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $445.00
As of 2/6/26 (DS): Debtor atty requested adj to allow to pass bar date 2/18/26

1. Trustee obj to the following:
- There is non-exempt equity in the residence $95,946 and Cadillac $2,738. RECOMMEND WAITING PASS BAR DATE 2/18/260
- Add to confirming order Trustee standard order of distribution.
- Must resolve Wells Fargo obj.

2. Wells Fargo (LOGS LEGAL GRP) obj arrears owed, no POC filed. Must resolve obj.

Prop Plan $445 x 60 begin 1/1/26; 100%
Note: Updated auto insurance provided.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23076 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0
AS OF 2/9/2026 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by Global Lending (Stewart Legal) - failure to pay in full. Creditor wants $12,484.94. Plan proposes to pay $10,819. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Need November and December bank statements for accounts 0108 and 1279. (NOT RECEIVED)
- Amendments to Schedules D to list Global Lending Services. (NOT AMENDED)
- The debtor must provide proof of auto insurance for the 2016 Nissan Juke. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$2,400/month for rent (need copy of lease) (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $1,049.19.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,746.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The attorney's fees in the plan ($4,650) and the disclosure statement ($3,365) do not agree. One of these must be amended. (NEITHER AMENDED)

Plan proposes: $100 x 1 beginning 1/1/2026, $796 x 35, $0 to unsecured creditors
Payments: 0/2, arrears $896
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23092 / MBKMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledContinued
3/25/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
AS OF 2/4/26 (SF) - Sent to EDC for obj

1. Disposable income verifies at $488.88 so 1st tier payment should be more than $100

2. The 2nd tier payment of $4085 makes the plan infeasible because the disposable income does not support this payment. The plan proposes nonexempt proceeds from personal injury lawsuit which is speculative.

3 Objection filed by Lakeview Loan Servicing (Aleisha Jennings) - failure to pay arrears of $22,690.66

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

5. Trustee objection:

- There is $19,950.49 non-exempt equity in residential property.

-Schedule A/B #19 states debtor owns non-publicly traded stock and interests in incorporated
and unincorporated businesses, including an interest in an LLC, partnership or joint venture.
The disclosure lists value as zero and ownership of 100%. Is there an actual value of this
interest? need certification explaining that.

- any non exempt proceeds from wrongful termination and Personal injury cases to be paid to Trustee


Plan proposes $100 x 24; $4085.42 x 12 Base w/min $44,000 to gucs
Payments: 1/2 Arrears: $100


Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23094 / MBKJoseph Casello, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $645.00
As of 2/5/26 (DS): Ok to confirm at $645 x 60 begin 1/1/26; Base

Prop Plan $645 x 60 begin 1/1/26; Base
Note: OceanFirst Bank acct#22 provided is joint and ok. 2024 Tax Return provided, Debtor and ex-spouse filed, refund received Debtor's half $3,092/12=$257.66 has been added, but is not on Sched I. HUD settlement on sale of real property #121 provided, no funds received.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23144 / MBKEric S. Landau, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 3 required payments   Arrears: $0
NS

as of 2/3/2026 (JMA)

1) 341 not held, not rescheduled - missing documents
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23236 / MBKPRO SEConfirmation Hearing ScheduledDismissedDebtor has made 1 of 3 required payments   Arrears: $0
180 bar to refiliing

edc sent email that adj denied on 2/9

As of 2/6/26 (DS): Pro se Debtor emailed a conf adj request without the consent of obj creditor atty. Emailed Debtor to advise he must get their consent, 341 sched 2/19/26.

-amended schedule C needs to list all of the assets from schedule B and include the actual amount of the exemption for each. Right now it is essentially blank.

As of 1/30/26 (DS): 341 sched 2/5/26, mod plan filed, gives no explanation on Part 9 and really has no change except Part 8c order of distribution adds Capital One Auto who was already included in plan to be paid
plan is to cure and maintain mortg mfr on for 2-11
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23281 / MBKEric J. Clayman, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $885.00
AS OF 2/4/26 (SF) Copy of TFS receipt for payment in the amount of $885 received


Note: Claims are higher and payment will need to increase to approximately $1282 going forward if debtor becomes current.


1. Objection filed by Provident Funding Associates (Powers) - failure to pay arrears of $10,902 (NO CLAIM FILED YET)

2. Trustee objection:

- There is $141,805 non-exempt equity in residential property. (100% PLAN)

- Income verified higher than amount scheduled.

Plan proposes $200 x 1; $885 x 59 100% Plan
Payments: 0/2 arrears: $1085

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23342 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $400.00
UPDATED 2/10/2026 (JMA)

OK TO CONFIRM AT $400X17 BEGIN 1/1/2026 $715X43 BEGIN 6/1/2027 WHICH INCLUDES MINIMUM $30,040 TO GUCS


issues as of 2/4/2026 (JMA)

1) Trustee objection to confirmation - RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): 2 months bank statements from PNC Bank accts#2336 and #2344 prior to filing date, shown on, acct#2328 from 11/24/25-12/18/25 and acct#4327 from 11/27/25-12/18/25 - RESOLVED, PROVIDED STATEMENTS
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $695, Clothing $275, Personal Care $275 and Transportation $454 - RESOLVED
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Disposable income would be $824 due to excessive expenses.
- Must provide PERS/PFRS loan balance statement prior to filing date.
- Debtor to provide a copy of the marriage certificate.

proposed plan $400x17, $715x43 minimum $30,040.50 to gucs
paid in $400
arrears $400
last claim 8-1
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23382 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
4/15/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
AS OF 2/6/2026 (at):

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

1. 341 is scheduled for 2/19/2026. (READY)
2. Payments: 1/2, arrears $125
Email InquiryRequest
Adjournment
2/11/2026 10:00 am25-23487 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $1,700.00
AS OF 2/4/26 (SF)


RECOMMEND $1700 X 36 (BEGIN 1/1/26) BASE PLAN
- OK TO PAY STATE OF NJ CLAIM 12-1 SECURED CLAIM
- OK TO PAY HYUNDAI LEASE ARREARS CLAIM 5-1
- ATTY TO MUST FILE FEE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER
- MUST FILE PRE-CONFIRMATION CERT WITHIN 7 DAYS


1. State of NJ filed secured claim 12-1 in the amount of $2588.29 which is not addressed in the plan (OK TO PAY?)

2. HYUNDAI Lease Titling Trust filed arrears claim 5-1 in the amount of $604.37 which is not addressed in the plan (OK TO PAY?)



Trustee objection:

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

- Need Certification regarding contribution to family member(s) for rent. (RECEIVED)


Plan proposes $1700 x 36 Base
Payments: 1/1



RESOLVED:

- Need updated pay stubs that show FICA deductions. (Pay stubs provided show deductions)
Email InquiryRequest
Adjournment
2/11/2026 10:00 am26-10134 / MBKJonas Singer, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $0
341 is scheduled for 2/19/2026.
Confirmation hearing is scheduled for 3/4/2026.
Email InquiryRequest
Adjournment
2/11/2026 10:00 am26-10502 / MEHPaul N. Mirabelli, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
2/25/2026 9:00 am
MTN EXT STAY
Email InquiryRequest
Adjournment
2/11/2026 11:00 am24-18838 / MEHRichard F. Fried, Esq.Motion Relief from Stay (Fee)WithdrawnSUBURBAN PARTNERS/LANDLORD (TRENK ISABEL SIDDIQI)
Email InquiryRequest
Adjournment
2/11/2026 2:00 pm22-13684 / MBKAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
2/11/2026 2:00 pm22-17266 / MBKJustin M. Gillman, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
2/11/2026 2:00 pm23-10971 / MBKMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
2/11/2026 2:00 pm24-10246 / MBKAllen I. Gorski, Esq.Motion CompensationOrder to be Submitted1/7 amt: both inside and outside is checked on ppsd order - need to revise/correct
Email InquiryRequest
Adjournment
2/11/2026 2:00 pm24-12830 / MBKCarol L. Knowlton, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
2/11/2026 2:00 pm26-10084 / MBKAndrew G. Greenberg, Esq.Order Shorten TimeGrantedMTN EXT STAY
shortened time
-no payments and no 341 docs (341 DOCS NOW SUBMITTED)
Email InquiryRequest
Adjournment
2/11/2026 2:00 pm26-10092 / MBKPRO SEOrder to Show CauseDismissedRENEWED OSC/FAILURE TO FILE DOCS
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes