ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 8/6/2025
Last Updated: 7/17/2025 12:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am17-26398 / MBKSteven J. Abelson, Esq.Motion CompelNo Opposition FiledMTN REOPEN TO ENFORCE ACCOUNTING OF ALL PP PAYMENT TO BANK OF NY
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am18-29675 / MBKVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Email InquiryMatter ResolvedRequest
Adjournment
38/6/2025 9:00 am18-31536 / MBKRobert C. Nisenson, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsMCLP response (Padgett Law)<>DEBTOR MTN TO CORRECT MTTG STATEMENT
Email InquiryMatter ResolvedRequest
Adjournment
28/6/2025 9:00 am18-31567 / MBKScott D. Sherman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj, filing MP<>SV/US BANK TRUST
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am19-11387 / MBKCandyce I. Smith-Sklar, Esq.Motion Withdraw As AttorneyNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
48/6/2025 9:00 am19-12182 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>PRO CAP FBO FIRSTTRUST BANK (ZEITZ)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am19-12763 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<>PHH/Woodland St (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am20-12792 / MBKKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)No Opposition FiledCAPITAL ONE (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am20-20643 / MBKCarrie J. Boyle, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledPLAN WILL NOT COMPLETE TIMELY (BAL $17,726 IN MO 58); WC SETTLEMENT WAS INSUFFICIENT TO COMPLETE 100% PLAN.
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am20-21262 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)No Opposition FiledCAPITAL ONE FINC (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am21-12785 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will pay arrears in full><>SN Servicing/ Nicholson Rd (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
198/6/2025 9:00 am21-15499 / MBKPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj; Creditor response<>DAYTON INDEPENDENCE CONDO ASSOC (McGOVERN)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am22-13047 / MBKJoseph Casello, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
178/6/2025 9:00 am22-15401 / MBKEdward Hanratty, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, made pymt<>HSBS BANK/Marshall Road (PADGETT LAW)
Email InquiryMatter ResolvedRequest
Adjournment
258/6/2025 9:00 am22-16998 / MBKFrances A. Tomes, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, can resume pymts and requests recap<>WELLS FARGO/Monmouth Blvd (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
218/6/2025 9:00 am22-18548 / MBKRoger J. Yehl, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TR CONDUIT REQUEST<>

Debtor obj, made pymts<> FREEDOM MTG/1st St (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am22-18737 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO REFI; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
318/6/2025 9:00 am22-19842 / MBKAndrew M. Carroll, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsThe trustee objects to the Motion only to the extent that proceeds in amount to satisfy remaining unsecured creditors at 100% are not turned over to the trustee.

MTN TO APPROVE SETTLEMENT
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am23-10899 / MBKJustin M. Gillman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> PHH/Dartmouth Way (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am23-10952 / MBKDavid Jerome Witherspoon, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj/2020 Infiniti<>PORTFOLIO RECOVERY (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
358/6/2025 9:00 am23-10971 / MBKMarc C. Capone, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsUS Bank limited obj (Friedman Vartolo)<>MTN TO VACATE DISMISSAL

$14781 arrears-trustee objection shortened time
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Adjournment
08/6/2025 9:00 am23-13045 / MBKCamille J. Kassar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will pay<>PHH/Cedarbrook Ave (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am23-13215 / MBKBarbara J. Snavely, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, can make pymt & requests recap<>MCLP ASSET/Yates Lane (PADGETT LAW)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am23-19400 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ/SHELLPOINT (PINCUS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am23-20977 / MBKDouglas T. Tabachnik, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE FINC/Opal Ct (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-10695 / MBKThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledSV/US BANK
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-10980 / MBKDavid A. Semanchik, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE CLM 6-1
Email InquiryMatter ResolvedRequest
Adjournment
458/6/2025 9:00 am24-11523 / MBKJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, applied for LM<>MARLIN MTG CAPITAL/Cherrywood Dr (McCALLA RAYMER)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-11693 / MBKJonathan Goldsmith Cohen, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, made pymts<> PNC/Millstone Rd (KML)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-12348 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 8/6<>

Debtor obj, filed MP<>FAILED TO SELL SYLVANIA PLACE PPTY BY 5/1/25
Email InquiryMatter ResolvedRequest
Adjournment
498/6/2025 9:00 am24-12540 / MBKEric J. Clayman, Esq.Creditor Certification of Default3rd Party MatterDebtor obj<>LOANCARE/Coville Dr (Pluese Becker)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-12778 / MBKSteven J. Sico, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, made pymts<>CITIZENS BANK/West Hill Rd (McCabe)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-14783 / MBKVera Fedoroff, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>JP MORGAN MTG/Beacon St (STERN LAVINTHAL)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-16689 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledSV/US BANK
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-17039 / MBKThomas G. Egner, Esq.Motion Relief from Stay (Fee)No Opposition FiledUS BANK TRUST NAT'L ASSOC/broad st (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-17275 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition Filed3909 PONCE DE LEON LLC (TOMES LAW)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-17323 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition FiledERL HOLDINGS LLC (WALDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-17517 / MBKEric S. Landau, Esq.Motion for AppealNo Opposition FiledOST DENIED------MTN EMERGENT FOR CERT OF A FEDERAL QUESTION AND INTERLOCUTORY APPEAL
Email InquiryMatter ResolvedRequest
Adjournment
628/6/2025 9:00 am24-17517 / MBKEric S. Landau, Esq.Motion for Judicial NoticeNeeds Resolution of Issues - ObjectionsBank of NY cert ( Stern & E)<>DEBTOR MTN
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-18888 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)No Opposition FiledSELENE FINC/cROSHAW rD (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-19362 / MBKWarren Brumel, Esq.Motion Relief from Stay (Fee)No Opposition FiledNATIONSTAR MTG (PLUESE)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-19947 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT: TR CONDUIT REQUEST<>

Debtor obj, can pay through March & requests recap for April<>CARRINGTON MTG/Hudson Ave (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-19971 / MBKDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledNEWREZ/SHELLPOINT (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20110 / MBKSteven J. Abelson, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, made pymt<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20342 / MBKSteven J. Abelson, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsMTN TO SELL BLANCHE DR
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20401 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledPLAN DENIED ON 6/4/25 AND FAILED TO FILE MP IN 10 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20404 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledSALE ORDER ENTERED 5/14/25; TRUSTEE HAS NOT RECEIVED EXECUTED HUD OR N/E PROCEEDS; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20417 / MBKAndrew Thomas Archer, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledUS BANK TRUST/Joralemon St (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20565 / MBKKevin C. Fayette, Esq.Motion Relief from Stay (Fee)No Opposition FiledUNITED AUTO (BERNSTEIN)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20686 / MBKWarren Brumel, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>WELLS FARGO BANK / Century Way(LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-20937 / MBKGeorge E. Veitengruber, III, Esq.Motion Requesting RedactionJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-21364 / MBKMark S. Cherry, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>DEUTSCHE BANK (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-22673 / MBKMarc C. Capone, Esq.Motion File Claim After Claims Bar DateNo Opposition FiledMTN FILE LATE POC/ILA LOCAL 1235 FEDERAL CREDIT UNION (McKENNA DuPONT)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am24-22777 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledPLAN DENIED ON 6/25/25 AND FAILED TO FILE MP WITHIN 10 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-10107 / MBKYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledCAPITAL ONE AUTO (McCALLA RAYMER)
Email InquiryMatter ResolvedRequest
Adjournment
708/6/2025 9:00 am25-10566 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, applying for LM<>CARRINGTON MTG /Hawthorne La (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
668/6/2025 9:00 am25-10578 / MBKAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAR NOTE ARREARS $34,500 WAITING FOR UPDATE FOR UPDATE FROM ATTY 4TH FILING ALL PREV CASES DISMISSED SEE ALSO NOTES ON CONF

amt: mp 6/25<** RECOMMEND DISMISSAL**<>>

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-10930 / MBKJonathan Goldsmith Cohen Motion Sell3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
758/6/2025 9:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledDEBTOR MTN TO REDUCE GUPLH HARBOR POC #18-1 TO $0
Email InquiryMatter ResolvedRequest
Adjournment
718/6/2025 9:00 am25-12049 / MBKJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 8/6<<>>

Debtor obj<>PLAN DENIED ON 4/23/25 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-12277 / MBKStephanie Shreter, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN TO ALLOW HELLIN REDDINH AS POA
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-12596 / MBKJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE/Sullivan Rd (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-12782 / MBKPRO SEMotion Relief from Stay (Fee)No Opposition FiledSOUTH CAROLINE FEDERAL CREDIT UNION/Meredith Rd (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-13097 / MBKRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE CLM#2
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-13621 / MBKJoan Sirkis Warren, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)No Opposition Filed6 HOUSE WREN
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-13822 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledPLAN DENIED ON 6/25/25 AND FAILED TO FILE A MP
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-14121 / MBKJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledNATIONSTAR MTG /Drift Ave(HLADIK)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-16205 / MBKPRO SEMotion to Voluntarily Dismiss CaseNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 9:00 am25-16586 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)No Opposition FiledMERCEDES-BENZ FINC (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am19-20111 / MBKJohn Zimnis, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 68 of 74 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am22-13803 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 81 of 38 required payments   Arrears: $238.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am24-10552 / MBKDonald C. Goins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 12 of 18 required payments   Arrears: $638.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am24-12348 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 15 of 16 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am24-14881 / VFPMelinda D. Middlebrooks, Esq.AP 24-1542 Joint Scheduling OrderJudge to Reserve DecisionAP 1542 HANDLER VS. MASSESA - trial (3rd party defendants, Schweiger, Citywide Derm dismissed, AP doc #19)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am24-17426 / MBKEric S. Landau, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 12 of 12 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
918/6/2025 10:00 am24-18376 / MBKRodney J. Alberto, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 7/11/2025 (at):

RECOMMEND: $300 PAID TO DATE, $1,000 x 32 BEGINNING 8/1/2025, BASE

SCHEDULE J LISTS HEALTH INSURANCE OF $538/MONTH. DEBTOR GETS HEALTH INSURANCE THROUGH PFEIFFER ACCOUNTING. EXPENSES SHOULD BE DECREASED BY $538.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Need updated proof of income (March & April) for all jobs. Note the following: SMPL Builds (Videography) is 1099 income, Pfeiffer Accounting (Bookkeeping) is regular paystubs, cleaner income is self-employment business income, Total Accountability (Bookkeeping) is self-employment business income that contracts for work with Joseph Scaltrito and Willys Chimney Service. There may be excess disposable income once the Trustee receives updated proof of income on this converted bankruptcy case. (RECEIVED - MONTHLY DISPOSABLE INCOME IS $1,206.48)

Plan proposes: $100 x 36 beginning 4/1/2025, $3,600 to unsecured creditors
Payments: 3/4, arrears $100
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am24-19901 / MBKEric J. Clayman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 8 of 9 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
948/6/2025 10:00 am24-21364 / MBKMark S. Cherry, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 8 of 8 required payments   Arrears: $0
7/3 amt: INTERIM SCH ORDER TO CHAMBERS/7 DAY<>

AR RESOLVE OR HOLD WORKONG ON PROPOSED SCH ORDER
AR NOTE CASE PREV DISMISSED AND REINSTATED
TOO MANY ISSUES UNRESOLVED INCLUDING UNFILED TAXES (FILING INFO JUST SUBMITTED12:33EMAIL ) AND DEBTOR UNCLEAR OF DIRECTION OF CASE WITH SALE UNRESOLVED ISSUES LIEN OF NON DEBTOR SPOUSE

AS OF 6/20/2025(at):

1. Objection filed by Deutsche Bank (Robertson Anshutz) - Creditor wants proof of efforts to sell the property and an appraisal. (UNRESOLVED)

2. Absolute Resolutions filed a secured claim in the amount of $7,563.97 which is not in the plan. Is the debtor going to pay this claim?

3. Objection filed by The State of NJ Division of Taxation (Platkin) - plan does not provide for any treatment for Taxation's claim. (otbs)

4. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of -$36.71.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for utilities
$700/month for cable/internet/phone
Need proof of excessive expenses 10 days prior to confirmation. (NOT RECEIVED)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)
- The NJ Division of Taxation filed an estimated claim which needs to be amended. (Order submit)

RESOLVED ISSUES:
- Plan fails to provide for a prompt sale/refinance of the debtor's real property. (MODIFIED PLAN FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $2,977 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Need to resolve objection by Deutsche Bank. (LISTED ABOVE)
- Need to file Pre-Confirmation Certification. (FILED)
- Any non exempt proceeds form sale to be paid to Trustee (LANGUAGE ADDED)

Modified plan before confirmation proposes: $1,400 x 60 beginning 12/1/2024, sale of residence wi
Email InquiryMatter ResolvedRequest
Adjournment
1008/6/2025 10:00 am24-21874 / MBKLee M. Perlman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 7 required payments   Arrears: $2,454.00
5/29 workup EDC

MP removes 100% to gucs based on separation with husband
proposes $3492 PTD; $279 X 57; BASE

Trusteee objection:
-Trustee needs certification from the debtor stating that the debtor and husband have separated with information on the date of separation along with any agreements or proceedings regarding child or spousal support.
-Modified plan improperly attempts to excuse the arrears in the case in the amount of
717 by not proposing to repay those arrears through the proposed plan.
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am24-22190 / MBKJavier L. Merino, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 7 required payments   Arrears: $5,300.00
Email InquiryMatter ResolvedRequest
Adjournment
1028/6/2025 10:00 am24-22810 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $400.00
5/7 workup for the 5/14 calendar EDC

*2023 NJ STILL ESTIMATED

1) Trustee objection to confirmation - need to resolve
- Need to file a Modified Plan that steps up trustee payment in April, 2025 when car loan is paid off. $640 A MONTH

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $250/month for DSO obligation (support deducted from pay) $400/month for savings.
- Verified income PER I & J leaves monthly disposable income of $913 (POI IS AROUND $500 MORE A MONTH PER STUBS). ALSO NEED TO ADD $250 DSO BACK FROM SCHEDULE J BECAUSE IT COMES OUT OF PAY AND ADD BACK $400 FOR SAVINGS ON J, ADD BACK $250 MISC-- DISPOSABLE IS $1813. IT LOOKS LIKE CAR IS NOW PAID OFF ALSO SO WE NEED TO ADD $640 TO THAT SO WE GET $2453

- Reviewed the 22C, Line 16 (taxes) should be $818, Line 22 (additional healthcare) requires documentation, Line 30 (additional food) requires documentation, Line 33 should be $0 (IRS being paid through the plan) and Line 35 should be $5,704/60 = $95.06. Per the 22C, monthly disposable income is $1,320 which requires a minimum dividend of $79,200 to general unsecured creditors. TRUSTEE OK TO USE I & J

proposed plan $400x60 base plan

-----------------
resolved
- Domestic Support Obligation information.
- Need proof of insurance for the 2017 Nissan that includes policy period.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,623.00 when determining disposable income.

2) IRS priority claim is estimated for 2023 and 2024 taxes NEED TO RESOLVE
Email InquiryMatter ResolvedRequest
Adjournment
1038/6/2025 10:00 am25-10037 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 6 required payments   Arrears: $6,768.00
AS OF 6/20/25 (SF)

1. Need status of loan modification--trial mod ends august

2. Navy Federal Credit Union filed secured claim 27-1 in the amount of $778.98 which is not addressed in plan (ok to pay)

3. Objection filed by GM Financial (Craig) - objects to cram and failure to provide for adequate protection payments( OK TO PAY CLAIM AS FILED) PAY ARREARS OF $7231.97??(cotbs)

4. IRS filed estimated priority claim 17-1 (NEED AMENDED CLAIM) STILL NEED

5. State of NJ filed estimated priority claim 19-2 (NEED AMENDED CLAIM) STILL NEED

6. Trustee objection:
-There is $160,919 non-exempt equity in the house. (100% PLAN)


Plan proposes $2258 x 60 100% Loan Mod in 6 months
Payments: 2/4 Arrears: $4512


RESOLVED:
- Objection filed by PNC Bank (Carlon) - failure to pay arrears of $45,246.71 and speculative loan mod RESOLVED - (OTBS) Do not pay arrears, loan mod by 5/31/25

Email InquiryMatter ResolvedRequest
Adjournment
1048/6/2025 10:00 am25-10115 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $3,000.00
5/28 workup for the 6/4 calendar EDC

1) Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - for non-filing spouse if now employed. (DONE $2200 weekly per the 2 full pay weeks provided-has income to pay 100% because disposable is $4140 a month
- A copy of the last filed tax return - 2024 by 5/15/2025.
- The State of NJ Division of Taxation filed an estimated claim which needs to be amended - NEED AMENDED CLAIM
2) Carrington Mortgage Services LLC (Friedman Vartolo) - objection to confirmation - need to resolve
- Pre-Petition arrears of approximately $154,107.34--COTBS BUT DO NOT HAVE TERMS YET=-PAY ARREARS

proposed plan $3,000x60 100%
paid in $9,000
last claim 14-1
------
RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,982 when determining disposable income. ADDED AND WILL BE 100%
- Need to file Pre-Confirmation Certification - RESOLVED, FILED
Email InquiryMatter ResolvedRequest
Adjournment
1068/6/2025 10:00 am25-10206 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $1,468.00
As of 6/3/25 (DS): 1. State of NJ filed estimated tax claim, 2021 tax returns not filed. Must resolve claim.

2. Plan has sale to be done by 6/1/25, no motion to sell has been filed. What is the status of sale?

3. BELOW ISSUES STILL REMAIN UNRESOLVED.

As of 4/11/25 (DS): Mod plan filed 4/4/25 on notice and sched 6/4/25

As of 3/7/25 (DS): Debtor atty requested adj, mod plan filed, however, the mod plan was filed as No Notice Required, but should be filed as Notice Required since student loans and creditors were added to petition, they must receive notice. EMAILED DEBTOR ATTY AND ADVISE TO WITHDRAW PLAN AND FILE A MOD PLAN ON NOTICE.

3/12/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$52. Debtor must sign up for e-wage within 7 days of confirm.
- Must provide rental income for Old Bridge property. LEASE PROVIDED STATES LEASE ENDED 4/15/25.
- Excessive expenses on Sched J: $3,000 Rent payment (need copy of lease), $653 Cable/internet/tele $992 & $503 & $358 for 3 car payments, $724 Auto insurance and $550 Student loans.
- There is non-exempt equity $28,905 in the real property (ADD TO CONFIRMING ORDER NON-EXEMPT PROCEEDS FROM SALE TO TRUSTEE), $4,998 in the bank accounts and $4,216 in the Toyota Rav4.
- Must resolve IRS estimated tax claim, 2024 not filed.

2. SPS (KIMBERLY WILSON) obj to sale and no applications filed to retain realtor or motions to sell. Orders to retain atty and realtor was granted, but no motion to sell.

3. AmeriCredit-2019 Toyota (EISENBERG GOLD & ADRAWAL) obj to not in plan. MOD PLAN NOW LIST AS OUTSIDE, POC FILED WITH NO ARREARS.

4. NJ Dept of Labor filed secured judgment claim for $5,200.84, not in plan and was not added on mod plan filed.

Prop Plan $1,468 x 60 begin 2/1/25; 100% and Sale of Osprey Dr by 6/1/25
Note: 2024 Tax return provided 6/2/25. Mod plan filed to correct or issues. Amended Sched A/B/C filed to take proper exemption on real property and add 2022 Lexus.
Email InquiryMatter ResolvedRequest
Adjournment
1088/6/2025 10:00 am25-10500 / MBKCharles D. Whelan, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $5,864.00
ISSUES AS OF 7/7/2025 (DM):

***Debtor is only 3 of 6 Trustee payments. Trustee has questions regarding the business financials***

1) Trustee OBJ:
- Need 2024 tax returns by 5/15/25 (RECEIVED PERSONAL TAX RETURNS - TAX RETURNS FOR ADVISORS SOLAR GROUP S CORP UPLOADED TO POST-341 BUSINESS FORMS.)
- Income verifies higher ($12,246/$2,009) than scheduled ($11,166/$1,600) resulting in $4,877 monthly disposable income (PROPOSED PLAN PAYS IN MINIMUM BASE.)
- Tax refund of $3,578 was not prorated ($298/month) and included in disposable income calculation (PROPOSED PLAN PAYS IN MINIMUM BASE.)
- There is $41,000 non-exempt equity in the business - only $975 unused (d)(5) available.

***RESOLVED ISSUES***

A) PHH Mtg (RAS) OBJs - $166,247.74 arrears on Tall Oaks Drive property (CONSENT ORDER ENTERED.)

B) Affinity FCU (Saldutti Law Group) OBJs - $10,260 secured claim on 2015 Mercedes Benz GL (CONSENT ORDER ENTERED.)

C) Pentagon FCU filed a bifurcated claim on 2008 Lexus IS comprised of $21,325 secured, $1,137.15 unsecured and $0 arrears (TREAT ENTIRE CLAIM AS SECURED UNAFFECTED OUTSIDE THE PLAN?? - Yes)

D) Trustee OBJ:
- Add Trustee Standard Order of Distribution to confirming order?? (YES)
- Atty fees in the Atty Disclosure Statement and the Plan don't match (ATTY DISCLOSURE AMENDED.)



Prop. Plan $$3,002.80 x 60, $0 Plan
PTD 3/6 = $9,102.80
Last Claim (7-1)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-10566 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $1,000.00
AS of 5/28/25(mk):


>>MFR By Carrington(Hill W): on 6/4>>NEED RESULT

1. Objection By Carrington Mtg( Hill Wallack):
- plan fails to pay full arrears.

2.Objection by Whispering Hills Condo Assoc'n (Cutolo B):
- plan fails to pay secured claim and fails to provide for pay post pet.

3. Trustee objection:
-Loss mitt has expired as of this date
- need 2024 tax return


Plan:$500 X 12; $650 X 48; LM 8/2025 (266 HAWTHORN LN); MIN $12,000.00
3/4
-------------
-Verified income leaves monthly disposable income of $1,115.(due to sign on bonus income below median and 60 mo plan
3/4 payments

Email InquiryMatter ResolvedRequest
Adjournment
1068/6/2025 10:00 am25-10578 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 6 required payments   Arrears: $11,500.00
rec dismissal
6/17 workup
*still $34,500 in arrears. Case is same as last one with pattern of getting behind and promising to catch up along with tfs payments not going through-NEED TO D
-ALSO PLAN PAYMENTS NEED TO BE $1500 HIGHER THAN PROPOSED TO CONFIRM-NOT FEASIBLE

As of 5/13/25 (DS): 1. Debtor is in arrears $34,500, made 1 out of 4 payments. - 5/13/25 DEBTOR ATTY PROVIDED PROOF OF E-PAYMENTS OF $3,500 TO BE TAKEN OUT OF DEBTOR'S ACCT 5/10/25, $7,000 & $4,000 BOTH TO BE TAKEN OUT 5/14/25 AND ANOTHER $8,000 TO BE TAKEN OUT OF DEBTOR'S ACCT 5/15/25 TOTAL $11,500.

*Trustee obj to the following:
- Must provide Certification regarding interest from the two grandfathers trusts - CERT PROVIDED 5/12/25 IS MISSING EXHIBIT A, 2 months bank statements from Chime Bank acct prior to filing date (Document provided is from 10/31/24) and balance statement for spouse car payment prior to filing date.
- Excessive expenses on Sched J: Mortgage $5,000 (verifies $4,925), Medical $400, Auto insurance $687 (verifies $596) and car payment $769 (Must provide proof of car payment).

- Must service Bank of America, which was improperly served. Must serve street address, not PO Box.
- Add to confirming order fee app within 7 days from confirming order.

Prop Plan $11,500 x 60 begin 2/1/25; Base
Note: 2024 Tax return provided.
-------------
RESOLVED
- 22C-1 Part 2 takes spouse car payment $769 (Requires balance statement prior to filing date). 22C-2 Line 30 takes additional food/clothing expense $100 and Line 45 shows disposable income $70.35 and would be $170.35, which would require min dividend $10,200 pending spouse car statement. DUE TO TAX CLAIMS FILED, THERE IS NO DISPOSABLE INCOME ON 22C.
2. IRS filed estimated tax claim, 2021 and 2024 not filed. Must resolve claim. Debtor atty sent letter to IRS 5/13/25 to resolve claim. Still must be resolved or move against claim. RESOLVED

3. State of NJ filed estimated tax claim, 2022 and 2023 not filed. Must resolve claim. RESOLVED
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-10914 / MBKYakov Rudikh, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $150.00
Email InquiryMatter ResolvedRequest
Adjournment
1108/6/2025 10:00 am25-10917 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
8/6 adj

AS OF 6/16/2025 (at):

RECOMMEND: $1,380 PAID TO DATE, $500 x 31 BEGINNING 7/1/2025, BASE
- Preserve non exempt equity of $4,620 in personal property.
- Non exempt proceeds from claim against Caleb Kaminski are to be turned over to the trustee.

1. The IRS filed an estimated claim #7 which needs to be amended. (NO LONGER ESTIMATED)

2. Objection filed by Bank of America (Powers Kirn) - failure to cure arrears of $1,986.27 (Per POC). Plan lists creditor as unaffected. (OTBS--amount paid directly outside of the plan) (RESOLVED)

3. Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Tele/cell/internet/cable $561 ($185 & $40 & $297) and Security System $200. Must provide proof of expenses 10
days prior to confirmation. (PROOF OF EXPENSES RECEIVED FOR CABLE/INTERNET/PHONE)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - from spouse for 2023 immediately, and for both for
2024 by 5/15/25. (RECEIVED)
- Auto insurance for 2018 and 2024 Honda. (RECEIVED)
- 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 estimated non-exempt equity in the residence $3,700 and $4,620 in 2018 Honda
for a total of $8,320. Pending mortgage claim filed, statement provided is from 9/3/24. (CLAIM FILED. NO EQUITY IN THE RESIDENCE. LANGUAGE ADDED FOR N/E EQUITY IN 2018 HONDA)
- Add all non-exempt proceeds from claim against Caleb Kaminski to confirming order. (LANGUAGE ADDED)

Plan proposes: $276 x 36 beginning 2/1/2025, not less than $4,619.68 to unsecured creditors
Payments: 5/5
Email InquiryMatter ResolvedRequest
Adjournment
1118/6/2025 10:00 am25-10962 / MBKAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 6 required payments   Arrears: $400.00
AMT 7/3: INTERIM SCH ORDER TO CHAMBERS/7 DAY<>

AS OF 6/24/2025 (at):

DEBTOR HAS MADE TWO OF FIVE PAYMENTS.

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 amount of $20,847.62 which is not listed in the plan. Is the debtor going to pay this claim?

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information (NOT RECEIVED)
- Income contribution affidavit (NOT RECEIVED)
- A copy of the last filed tax return - 2024 (NOT RECEIVED)
- A copy of the deed (NOT RECEIVED)
- IRS priority claim #1 estimated for 2021, 2023 and 2024 taxes, and GUC claims estimated for 2019 and 2020 taxes. (STILL ESTIMATED)

RESOLVED ISSUES:
- need clear copy of the car insurance policy (RECEIVED)
- A Modified Plan that has a minimum term of 36 months (MODIFIED PLAN FILED)
- Amendments to Schedules A/B to list real estate (residence) (AMENDED)
- Any non-exempt equity from the sale of real estate should go to the Trustee. (LANGUAGE ADDED)

Modified plan before confirmation proposes: $100 x 36 beginning 2/1/2025, sale of residence by 12/1/2025, 100% plan
Payments: 2/5, arrears $300
Email InquiryMatter ResolvedRequest
Adjournment
1088/6/2025 10:00 am25-11113 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $317.00
AS OF 7/15/25 (SF) UPDATED

1. Trustee objection:

- Need 2 months bank statements from PNC accts#8191 and #8204 for December 2024 Attorney keeps sending the statement for account ending in 8183 but we need copies of the overdraft statements for 8191 and 8204 (STILL NEED)



Plan proposes $317 x 36 0%
Payments: 4/5 Arrears: $317

RESOLVED:
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
One Main not served. (fFILED)
- Need Amendments to Schedules A/B and C to add the 2 additional PNC bank accts. (AMENDED)
amended B/C filed OK EDC
- IRS priority claim 3-2 is estimated (NEED AMENDED CLAIM) AMENDED
- Need a copy of the last filed tax return - for 2024 by 5/31/25. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
1168/6/2025 10:00 am25-11290 / MBKEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $3,375.00
6/18 workup EDC

*IRS and NJ still estimated
'
1) Plan does not provide for treatment of student loans

2) Credit Union of NJ (McKenna Dupont) objection to confirmation - need to resolve
- filed claim $69,556.38
- mortgage loan was to be paid in full on or by 8/5/2022

3) US Bank (McCalla Raymer) objection to confirmation - need to resolve
- arrears claim $68,535.82

4) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2024.
- Need to provide 2 months bank statements from TD Bank savings acct prior to filing date.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,158 when determining disposable income.
- There is estimated non-exempt equity in the residence based on Zillow value, pending updated CMA with recent comps and in TD Bank savings acct, pending statements, also TD Bank checking acct#4549 has $1,177, Sched B has $50. As of now a proof of claim by first mortgage lender has not been filed.
- Must resolve IRS estimated tax claim.
- Must resolve the creditors objections.
- Must file Pre-confirmation certification.
5) State of NJ priority claim is estimated for 2024 taxes - need amended claim

proposed plan $1,695x60 0% plan
paid in $3,400
arrears $1,685
last claim 20-1



Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-11312 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 5 required payments   Arrears: $1,267.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-11496 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $694.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-11518 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-11544 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $2,700.00
6/25/25 (sf) Copy of certified check for $8,000 just received


AS of 6/20/25(mk):

1/4 payments Arrears 8,025


1.Trustee Objection:
-Non-exempt equity personal electronics $1,000 and jewelry $1,000
TOTAL NON-EXEMPT EQUITY $2,000 - CANNOT BE 0% PLAN, MUST PAY MINIMUM $2,000 TO GENERAL UNSECURED CREDITORS



Plan: $2675 X 60; $0
1/4 payments

-------RESOLVED----------------------
IRS Estimated claim APOC Filed-0-
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-12049 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1268/6/2025 10:00 am25-12152 / MBKAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,158.00
AR CAN ADJ IF 341 IS SCHEDULED - 341 HEARING NOW SCHEDULED FOR 7/17/2025 ADVISED ATTY TO UPLOAN ADJOURNMENT REQUEST FOR CONFIRMATION HEARING.
issues as of 6/12/2025 (JMA) - UPDATED 6/23/2025

1) 341 not held, not rescheduled - missing documents - 341 HEARING SCHEDULED FOR 7/17/2025
2) Debtor is current with Trustee plan payments
3) US Bank (Padgett) objection to confirmation - need to resolve STATUS CHANGE FORM FILED, MATTER SETTLED, NEED ORDER
- arrears claim $55,178.26

proposed plan $1,158x60 100% plan
paid in $3,474
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
1278/6/2025 10:00 am25-12328 / MBKBrian S. Thomas, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $2,400.00
AS OF 6/24/2025 (at):

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2024 (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for 2025 (RECEIVED)
- Need proof of car insurance. (RECEIVED)

Plan proposes: $1,200 x 60 beginning 4/1/2025, base
Payments: 2/3, arrears $1,200
Email InquiryMatter ResolvedRequest
Adjournment
1268/6/2025 10:00 am25-12579 / MBKDavid L. Stevens, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $1,100.00
issues as of 5/29/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- Domestic Support Obligation information
- A copy of the last filed tax return - for 2024 by 5/15/2025. RESOLVED, PROVIDED RETURN
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $1,906.08/month car payment
- 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 $1,275.59.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,534.00 when determining disposable income.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- The IRS filed an estimated claim which needs to be amended.
- Need to file Pre-Confirmation Certification.

proposed plan $550x36 base plan
paid in $0
arrears $1,100
last claim 16-1
Email InquiryMatter ResolvedRequest
Adjournment
1318/6/2025 10:00 am25-12596 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $3,452.00
AS OF 6/24/2025 (at):

1. Objection filed by US Bank (Robertson Anschutz) - failure to cure arrears of $108,533.31 (Per POC) and plan does not proposed to make regular monthly mortgage payments. (unrsolved)

2. Trustee's objection:
- The debtor is not paying all disposable income into the plan pursuant to either Schedules I & J or 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 on Line 45 $2,848.70 (100% PLAN.)
- Disposable income verifies higher $4,677.

RESOLVED ISSUES:
- Need 2 months (Feb & March) bank statements from bank accts listed on Debtor's pay stubs showing deposits into this acct. Acct#3577 and #0058 (RECEIVED)
- The debtor has not filed the required Pre-Confirmation Certification. (FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $15,502 and estimated in other bank accts (pending bank statements). (LANGUAGE ADDED)
- Add to confirming order non-exempt proceeds from Medical Malpractice lawsuit to Trustee. (LANGUAGE ADDED)

Plan proposes: $1,763 x 60 beginning 4/1/2025, loan modification by 11/30/2025, 100% plan
Payments: 2/3, arrears $1,689
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-12637 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $200.00
As of 6/23/25 (DS): Debtor atty requested adj to allow time to meet with Debtors to discuss reduced income and how to proceed.

As of 6/13/25 (DS): 1. No docs amended or updated proof of income provided and no mod plan filed.

2. BELOW ISSUES REMAIN UNRESOLVED.

As of 5/9/25 (DS): Debtor atty requested adj, Debtor is no longer working at Amazon Flex, needs to prep amended Sched. How is plan to work if income is insufficient?

5/14/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$1,769. Will need E-wage.
- Must provide updated P&L for Debtor's job at Amazon Flex where he is 1099 employee for March and April. According to docs provided payments are deposited into a bank acct
Debtor registered with Amazon.

Prop Plan $200 x 36 begin 4/1/25; Base
Email InquiryMatter ResolvedRequest
Adjournment
1218/6/2025 10:00 am25-12782 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 1 of 4 required payments   Arrears: $19,551.00
received letter from debtors daughter that debtor had heart attack and in hospital--case adjourned to 8/6...an apperaance will be needed next time EDC

AS OF 7/10/25 (SF) PLAN IS NOT FEASIBLE. DOES NOT PROPOSE TO PAY ANYONE. NOT CURRENT, ARREARS: $19,551.21


amended A, B 22c ETC filed - NO EXEMPTIONS TAKEN ON SCHEDULE C HOWEVER

OK TO ADJ FOR DEBTOR TO ADDRESS ISSUES AND RETAIN ATTY BUT ONLY IF INSURANCE IS PROVIDED (ISURANCE RECEIVED BUT DEBTOR HAS NOT RETAINED AN ATTORNEY)

1. The IRS just filed estimated priority claim 13-1 (NEED AMENDED CLAIM)

2. Motion for Relief fled by South Carolina FCU scheduled for 8/6 at 9

3. Objection filed by South Carolina Federal Credit Union (Spivack) - Failure to pay arrears of $326,443.48

4. There are two mortgage claims filed by different attorneys for the same creditor as the 1st mortgage (Claims 4-1 and 6-1. (NEED TO RESOLVE)

5. Ally Capital filed bifurcated claim 11-1 in the amount of $11,358 secured, $27,128.82 unsecured and $38,486.82 arrears. This claim is not addressed in plan (MUST RESOLVE)

6. Trustee objection:

- The debtor has insufficient income. Verified income leaves monthly disposable income of $767.00.

- The debtor has not filed the required Pre-Confirmation Certification.

- Need business forms for Sanders & Son's Construction LLC.

- Need DSO information for Keyana Demarest

- Need copy of Deed for 93 Meredith Road.

- Need a modified plan that completes part 5 and part 8.

- There is $387,948 in non exempt equity in the residence. (SCHEDULE C IS BLANK)

- There is $50,000 in non exempt equity in the jewelry.

- There is $50,000 in non exempt equity in the business.

- There is $7,375 in non exempt equity in the bank accounts.

- Need to amend Schedules B & C to include potential lawsuit against insurance company

- Debtor to provide a certification regarding the $880,000 in funds in the stock account (2022) and the disposition of those funds.




Plan proposes $6517.07 x 60 Loan Mo by 8/1/
Email InquiryMatter ResolvedRequest
Adjournment
1408/6/2025 10:00 am25-13097 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
As of 6/13/25 (DS): Need to confirm at $416 x 3 begin 4/1/25; $513 x 57 begin 7/1/25; 100% with a min. div. $225,186 to gucs due to non-exempt equity (PLAN WILL BE EXTENDED TO 60 MONTHS FOR PLAN PAYMENTS TO BE FEASABLE)

As of 5/28/25 (DS): Debtor atty requested adj to pass bar date 6/4/25.

6/4/25 (DS): 1. Trustee obj there is non-exempt equity in the residence $225,186. No gucs filed.

Prop Plan $416 x 48 begin 4/1/25; 100%
Note: Homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
1428/6/2025 10:00 am25-13166 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $3,500.00
AS OF 5/29/25 (SF)

1. IRS filed priority claim 2-3 in the amount of $11,335.05 which is not addressed in plan (OK TO PAY?)

2. Nationstar Mortgage filed claim 15-1 in the amount of $24,627.23 which is higher than proposed amount of $21,000 (OK TO PAY?)

3. Trustee objection:

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

- Need copy of 2024 tax return prior to confirmation

- Need proof of insurance for the 2016 Mercedes and 2019 Mercedes

- Need statements for the debtor's two TSP loans.

- Verified income leaves monthly disposable income of $4,322.

- Per the 22C, monthly disposable income is $3,326 which requires a minimum dividend of $199,560 to general unsecured creditors.

- There is $9,978 in non-exempt equity in the residence. (MOOT, CLAIMS ARE HIGHER)

- Need proof of VA Benefits.

- Need Settlement Statement from Ella Lane property that was sold before the purchase of the Landmark Way property.

Plan proposes $3500 x 60 100% Plan
Payments: 2/2


RESOLVED:
- There is $9,978 in non-exempt equity in the residence. (MOOT, CLAIMS ARE HIGHER)
- Need a copy of homeowner's insurance renewal declaration. Policy provided expired on 4/25/25. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
1448/6/2025 10:00 am25-13345 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 5/59/2025 (JMA)

1) 341 not held, rescheduled for 6/12/2025
2) No Trustee plan payments to date, arrears $2,400
Email InquiryMatter ResolvedRequest
Adjournment
1448/6/2025 10:00 am25-13621 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 3 required payments   Arrears: $200.00
AS OF 7/17/2025 (at):

1. Objection filed by US Bank Trust (Robertson Anschutz) - plan is speculative as it is silent as to what efforts have been taken to sell property. Plan proposes a sale by "4/2025". Creditor seeks clarity as to the time sought to sell the property. (sale by 9/1/25) (UNRESOLVED)

2. Trustee's objection:
- Need statements for the debtor's 5 pension loans. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$700/month for transportation
$3,500/month mortgage payment (per statement payment is $2,914.02)
Need proof of excessive expense 10 days prior to confirmation. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has insufficient income. Verified income leaves monthly disposable income of
-$629.22. (CURRENT)
- The debtor has failed to file a feasible plan. Debtor has insufficient income to fund the plan. (CURRENT)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - Policy provided expires on
5/9/25. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $110,399 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to resolve objection by US Bank. (LISTED ABOVE)
- The attorney's fees in the plan ($3,000) and the disclosure statement do not agree. Disclosure states that $3,000 will be paid outside of the plan. One of these must be amended. (DISCLOSURE AMENDED)

Plan proposes: $200 x 60, sale of residence by 4/2025, base
Payments: 2/3, arrears $200
Email InquiryMatter ResolvedRequest
Adjournment
1458/6/2025 10:00 am25-13698 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $500.00
As of 6/24/25 (DS): Debtor atty requested adj, 341 has been rescheduled to 7/3/25.
Email InquiryMatter ResolvedRequest
Adjournment
1598/6/2025 10:00 am25-14173 / MBKChristopher G. Cassie, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 6/17/25 (SF)

1. MUST REQUEST ADJOURNMENT
2. 341 NOT HELD - RESCHEDULED TO 7/3/25
3. PAYMENTS: 2/2

Email InquiryMatter ResolvedRequest
Adjournment
1608/6/2025 10:00 am25-14185 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 3 required payments   Arrears: $2,229.00
AS OF 7/16/2025 (at):

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

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2024. (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):
- 22C line 45 shows disposable income $483.45 and would be more pending proof of expenses. Plan propose 100%.
- Disposable income verifies higher, there is disposable income $3,448.
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Need service to NCEP, LLC and Santander Consumer. (CERT OF SERVICE NOT FILED)
- The debtor to provide a certification regarding the $30,000 received from the lawsuit settlement. (NOT RECEIVED)

RESOLVED ISSUES:
- 2 months bank statements from Navy FCU prior to filing date. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- 22C Line 13 husband expenses on Maryland property $4,946.72 and Line 30 additional/food
$58. Plan propose 100%.
- Home maintenance $300, Auto insurance $1,300 (verifies 933.34), Maryland mortgage
$4,661.44, Maryland HOA $123 and daughter's college apt $1,529. Must provide proof of expenses 10 days prior to confirmation. (RECEIVED)

Plan proposes: $2,229 x 60 beginning 5/1/2025, 100% plan
Payments: 2/3, arrears: $2,229
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-14259 / MBKFrances A. Tomes, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
As of 6/24/25(mk)

341 now on 7/17/25
2/2 payments
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-14361 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 3 required payments   Arrears: $0
As of 7/14/25 (DS): Debtor atty requested adj to allow time to get docs

As of 7/10/25 (DS): 1. NEED EXPLANATION FOR JUNE LUMP SUM PAYMENTS $9,992 AND $119.53. PLAN DOES NOT LIST LUMP SUM PAYMENTS.

2. Trustee obj to the following:
- Must provide 2 month's income for debtor's new job and statement balance for the stock acct prior to filing date.
- Must amend Sched I to add new employment income.
- Excessive expenses on Sched J: $200 Homeowner insurance (This is escrowed from mortgage) and $400 Entertainment.
- Case is above median Line 45 has disposable income $737.42, which would require min. div. $44,245 to gucs.
- Disposable income verifies $2,686. Schedule J fails to add tax refund $4,239.
- There is non-exempt equity in the residence $33,225 and $32,709 in the bank acct total $65,934.
- Debtor's attorney must file fee app within 7 days from confirming order.

Prop Plan $2,272 x 60 begin 5/1/25; Dollar Base $74,773
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-14649 / MBKAdrian Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/2/2025 (JMA)

1) The plan proposes a loan modification by 7/1/2025, date has passed what is status of loan mod?
2) NewRez LLC d/b/a Shellpoint Mortgage Servicing/US Trust (Friedman Vartolo) objection to confirmation - need to resolve
- Pre-petition arrears to be approximately $260,286.40
- Plan does not propose payment of arrears until a loan mod is achieved
3) Wells Fargo Bank (Brock & Scott) objection to confirmation - need to resolve
- anticipated claim will include pre-petition arrearage totaling $1,634.52
4) Trustee objection to confirmation - need to resolve
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor must provide updated proof of auto insurance for the 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
- Need to resolve objection by New Rez/Shellpoint.
- Need to resolve objection by Wells Fargo Bank.

proposed plan $330x60 with loan mod by July 1, 2025 with minimum $300 to general unsecured creditors
paid in $330
arrears $330
last claim 5-1

RESOLVED ISSUES:

Modified plan does not agree with the Amended Attorn
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15077 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15104 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/3/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income. Verified income leaves monthly disposable income of $1,079.98. Need e-wage.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis - with comparatives sold within 6 months of filing.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $300.00 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $28,554 in non-exempt equity in the TD bank account and possible equity in home based upon updated comps.
- The attorney's fees in the plan ($4,000) and the disclosure statement do not agree. The disclosure statement states that $4,000 will not be paid through the plan. One of them must be amended.

proposed plan $1,296x60 base plan
paid in $2,592
no claims filed to date
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15112 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $360.00
AS OF 7/9/2025 (at):

SHOULD ADJOURN TO AFTER BAR DATE.

1. Trustee's objection:
- 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 $31,423 non-exempt equity in house. (LANGUAGE ADDED)

Plan proposes: $359.65 x 60 beginning 6/1/2025, base
Payments: 1/2, arrears $359.65
Email InquiryMatter ResolvedRequest
Adjournment
1728/6/2025 10:00 am25-15171 / MBKBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
UPDATED 7/9/2025 (jma) STATUS CHANGE FORM FILED RESOLVING MIDFIRST BANK OBJECTION TO CONFIRMATION, CONSENT ORDER TO BE SUBMITTED TO CHAMBERS

issues as of 7/7/2025 (JMA)

1) MidFirst Bank (Gross Polowy LLC) objection to confirmation - need to resolve
- Secured Creditor will file a Proof of Claim listing approximately $3,946.51 in pre-petition arrears.
2) Trustee objection to confirmation - need to resolve
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor must provide updated proof of auto insurance for the 2024 Chevy Tahoe. The policy provided has expired.
- The debtor(s) plan consists of unnecessary or excessive expense items: $1,243/month car payment
- 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 $190,369 in non-exempt equity in the residence.
- 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).
- Need to resolve objection by MidFirst Bank.
- Student loans will be paid outside of the plan.

proposed plan $1,200x60 100% plan
paid in $1,200
arrears $1,200
last claim 3-1
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15361 / MBKRegina L. Gelzer, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/16/2025 (at):

NEED CAR INSURANCE.

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 a statement for the 401k loan. (NOT RECEIVED)
- The debtor must provide proof of auto insurance for the 2020 Subaru. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$300/month for personal care
$575/month for student loans (need proof these are being paid)
(NOT RECEIVED)

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

Plan proposes: $1,132 x 60 beginning 6/1/2025, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15390 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15400 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $500.00
341 7/24/25
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15447 / MBKBruce Radowitz, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15473 / MBKJoel R. Spivack, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/16/2025 (at):

1. Truist Bank filed a secured arrears claim for a 2018 Jeep Wrangler in the amount of $755.29 which is not in the plan. Are the debtors going to pay this claim?

2. Cavalry filed a secured claim in the amount of $622.12 which is not listed in the plan. Are the debtors going to pay this claim?

3. Trustee's objection:
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C exceeds
the D5 exemption by $4,538.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $2,579.99.

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - that includes liability
coverage. (RECEIVED)
- The debtor must provide updated proof of auto insurance for the 2018 Toyota . The policy
provided expires on 8/5/25. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $10,144.00 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):
- There is $63,983 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $4,538 in non exempt equity in the bank accounts. (LANGUAGE ADDED)

Plan proposes: $1,500 x 31 beginning 6/1/2025, $2,200 x 16, $3,200 x 13, loan modification by 11/22/2025, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15477 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15485 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15521 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,646.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15526 / MBKMoshe Rothenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,720.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15533 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/16/2025 (at):

BAR DATE IS 8/5/2025. 100% PLAN.

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):
- A copy of the homeowner's insurance renewal declaration - policy provied expires
7/12/2025 (RECEIVED)
-Form 122c disposable income $9,639.59 which requires minimum $578,375.40. Plan is 100%

Plan proposes: $281 x 36 beginning 6/1/2025, loan modification within 6 months of confirmation, 100% plan
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15554 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15627 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15629 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15657 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $525.00
341 IS 7/24/2025. (READY)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15683 / MBKKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,120.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15752 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $849.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15794 / MBKScott J. Goldstein, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $450.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15825 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
341 IS 7/31/2025 (READY)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15859 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15926 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 0 of 1 required payments   Arrears: $2,100.00
AS OF 7/16/2025 (at):

1. Objection filed by New Rez/Shellpoint (Padgett Law Group) - failure to cure arrears of $4,781.78. (Per Obj). Plan proposes to pay $0. (UNRESOLVED)

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

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

RESOLVED ISSUES:
- The current Plan does not specify treatment of MMU, LLC's secured claim under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $127,888 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $7,858 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Need to resolve objection by New Rez/Shellpoint. (LISTED ABOVE)

Plan proposes: $3,600 x 60 beginning 7/1/2025, not less than $151,888 to unsecured creditors
Payments: less than 1/1, arrears $2,100
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15972 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $728.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-15991 / MBKNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $324.00
341 IS 7/31/2025. (READY)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-16029 / MBKJacqueline Rita Rocci IConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 1 required payments   Arrears: $750.00
As of 7/15/25(mk):

341 8/14/25
0/1 payment
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-16093 / MBKMark Kriegel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-16127 / MBKWilliam P. Bonomo, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $100.00
341 IS 7/24/2025. (NOT READY)
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 10:00 am25-16541 / MBKScott J. Goldstein, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,400.00
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 2:00 pm21-15291 / MBKJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 2:00 pm24-13167 / MBKMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 2:00 pm24-15371 / MBKAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 2:00 pm24-20417 / MBKAndrew Thomas Archer, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 2:00 pm24-22671 / MBKEric J Clayman Motion CompensationNo Opposition FiledCH 7 TRUSTEE FEES
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 2:00 pm25-10042 / MBKMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/6/2025 2:00 pm25-12714 / MBKWilliam S. Wolfson, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes