ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 8/13/2025
Last Updated: 7/17/2025 11:06 AM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am20-14922 / CMGMelissa Y. Spears, Esq.Motion for Exemption from CertsNeeds Resolution of Issues - ObjectionsMOTION FOR EXEMPTION TO FILE CERTS

Debtor passed away4/2025 so can't sign cert BUT his cert in support of discharge was filed after his death(pro se by co c debtor) co- debtor needs to file amended cert of discharge or w/d debtor's -

Order is blank, No creditors have been noticed as cert of service is blank
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Adjournment
08/13/2025 9:00 am20-14922 / CMGMelissa Y. Spears, Esq.Motion to ReopenNeeds Resolution of Issues - ObjectionsMOTION TO REOPEN CASE TO FILE AMENDED CERTS

Order blank and cert of service is blank

Debtor passed away4/2025 so can't sign cert BUT his cert in support of discharge was filed after his death(pro se by co c debtor) co- debtor needs to file amended cert of discharge or w/d debtor's -
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Adjournment
08/13/2025 9:00 am20-17911 / CMGCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnAMT: PIF/PENDING CLOSING AUDIT
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Adjournment
08/13/2025 9:00 am20-22956 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> SANTANDER/Tanya Circle (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am22-10877 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledCAPITAL ONE AUTO (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am22-17574 / CMGRussell L. Low, Esq.Motion for Relief from StayNeeds Resolution of Issues - ObjectionsDebtor obj, requested 9 mo cure<>NATIONSTAR/Poplar St (McCalla)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am22-18827 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS; FAILED TO COMPLY WITH PAYMENT TERMS PER ORDER #65 VACATING DISMISSAL
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am22-19436 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, filing MP to sell<>NEWREZ/Howard Ave (McCabe Weisberg)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am23-10310 / CMGSteven J. Abelson, Esq.Motion for Relief from StayNeeds Resolution of Issues - ObjectionsRE-LISTED- 12/18/24 WAS OTBS- NO ORDER<>

Debtor obj<> ALLY CAPITAL/22015 Honda Civic (Lavin Cecrone)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am23-11777 / CMGYakov Rudikh, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am23-11933 / CMGWarren S. Jones, Jr., Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am23-12202 / CMGScott J. Goldstein, Esq.Motion Relief from Stay (Fee)No Opposition FiledMIDFIRST BANK (KML)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am23-12857 / CMGJeffrey H. Ward, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am23-12917 / CMGFrances A. Tomes, Esq.Motion Motion (Generic) - Only use if no other event is applicable3rd Party MatterPAYMENT DEFERRAL (PLUESE)


MK: loan not due till maturity or sale of prop. TR Limited obj: No debtor cert as creditor filed the motion.

need debtor cert in support of motion.
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Adjournment
08/13/2025 9:00 am23-14275 / MBKRobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnFILED IN WRONG CASE
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Adjournment
08/13/2025 9:00 am23-14312 / CMGStacey L. Mullen, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> PLANET HOME LENDING/Ember La (KML)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am23-17336 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections7/15/25: parties working on a consent Order adjto 8/13/25

Debtor obj<>US BANK TRUST/Pine St (LOGS)
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Adjournment
08/13/2025 9:00 am24-10540 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledLAKEVIEW LOAN (BROCK)
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Adjournment
08/13/2025 9:00 am24-10783 / CMGJohn Zimnis, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will pay<> arrears
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-12264 / CMGMark N. Glyptis, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objectionssettlement discussions

Debtor obj<>CREDIT SUISSE FIRST BOSTON MTG /Lower Ferry Rd (McCALLA)
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Adjournment
08/13/2025 9:00 am24-13369 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledSV/BOA; FEASIBILITY - TRUSTEE'S RECAP NEVER FILED
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-14575 / CMGJeanie D. Wiesner, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: 2/2025 MFR WAS OTBS;CONDUIT ON FUTURE DEFAULT<>

Debtor obj<> ROCKET MTG/Cherokee Dr (Brock & Scott)
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Adjournment
08/13/2025 9:00 am24-14829 / CMGJames J. Cerbone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, made pymt<> CARRINGTON MTG/Pacific Ave ( Hill Wallack)
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Adjournment
328/13/2025 9:00 am24-15770 / CMGDavid E. Shaver, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - Objections7/2 AMT: INTERIM SCHC ORDER TO CHAMBERS FOR FILING/7 DAY - <>

per cmg $22,774 plus pymt under mp

AR NOTE LAST PAY 6-9-25 ARTREARS $22,774 3RD LISTING - 5 PREV CHP 13 ALL DISMISSED LAST MINUTE MP
7/1/25 #49 filed t reason: address change in family size for 2 to 3 ,address post pet arrears under current plan address expense increase and balloon payment in month 60 via a private lender refi by 5/2029....... no amended I & J filed yet. updated proof of income uploaded to 13 dox

case is 13 mos old as of July

>.this is debtor's 6th bankruptcy filing( 4 ch 13s and 2 ch 7


As of 6/28/25(mk): NO MP FILED

6/16/25:MK: MP was to be filed ASAP if it was will adj this cert to date of new MP


AR NOTE DEBTOR BEHIND TR PYTS $17684 ADJ REQUEST DENIED , COUNSEL TO MAKE SUBMISSIOMM BEFORE CLOSE OF BUSINESS 6-13 OR DEBTOR TO BE CURRENT THIS IS DEBTIOR 6TH CASE

Debtor obj, can make pymt & requests recap<> ARREARS now 17,684.42 Made partial payment of 2,588 but before that Last pay March 2025

6/3/25: mk sent atty a case report - he does owe the arrears.
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Adjournment
08/13/2025 9:00 am24-15770 / CMGDavid E. Shaver, Esq.Motion Convert Case to 113rd Party MatterDebtor has made 5 of 13 required payments   Arrears: $22,774.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-16473 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAM: MP 7/2<>

MP filed 5/19


PLAN NOT FEASIBLE DUE TO US SBA POC #8-1
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-16473 / CMGJeffrey E. Jenkins, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN OBJ CLM SBA




Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-17222 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ MTG (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-17222 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)No Opposition FiledHYUNDAI (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-17222 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)No Opposition FiledHYUNDAI (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-18370 / CMGRoger J. Yehl, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledCAPITAL ONE AUTO (McCALLA RAYMER)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-18987 / CMGPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledAMERICREDIT (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-20514 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-20951 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>THE BANK OF NEW YORK MELLON/Albert Drive (KML)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-21305 / CMGErik M. Helbing, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsMTN APPV LM/FREEDOM MTG (BROCK & SCOTT)

mk needs a cert from debtor on support of the motion.
Email InquiryMatter ResolvedRequest
Adjournment
488/13/2025 9:00 am24-21476 / CMGPRO SEObjection to Claim of ExemptionsNo Opposition FiledTRUSTEE OBJ TO SCH C, DOC #46/IMPROPER 100% FMV
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-21498 / CMGDavid L. Stevens, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-21570 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledCITIBANK/NEW RESIDENTIAL MTG LOAN (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
508/13/2025 9:00 am24-21979 / CMGBarbara J. Snavely, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, selling ppty<>SELENE FINC/Whitman Ave (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am24-22030 / CMGWarren Brumel, Esq.Motion File Claim After Claims Bar Date3rd Party Matter
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Adjournment
08/13/2025 9:00 am25-10096 / CMGVera Fedoroff, Esq.AP Motion Motion (Generic) - Only use if no other event is applicableJudge to Reserve DecisionAP 25-1093 FEDOROFF MTN TO BE RELIEVED OF COUNSEL
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-10164 / CMGAndrew G. Greenberg, Esq.Motion Relief from Stay (Fee)No Opposition FiledUS BANK TRUST (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-10479 / CMGKevin C. Fayette, Esq.Motion SellNo Opposition Filed7 RAINTREE DR

mk:prop. was surrendered in confirmed plan. Sale K $326,500 and Mtg payoff is 350,956.11 as of July

short sale. and has agreement. buyer is also the realtor but not receiving a commission for sale.
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-10573 / CMGChristopher G. Cassie, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledPLAN DENIED 6/11/25 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-10801 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledACAR LEASING (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-11210 / CMGAndrew G. Greenberg, Esq.Motion Relief from Stay (Fee)No Opposition FiledSN SERVICING CORP (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
618/13/2025 9:00 am25-11577 / CMGAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS 5,208 Last pay March 2025

Conf on 7/2>>ISSUES>>
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-12735 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ/SHELLPOINT (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-14119 / CMGRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMOD POC#6

order proposes to bifurcated claim to pay 4300 secured thru plan and balance unsecured pro rata
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-14412 / CMGJames J. Cerbone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledEXPUNGE POC IRS
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-15036 / CMGJohn Michael McDonnell, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - ObjectionsMOTION TO VACATE DISMISSAL

Case was dismissed 6/25 for no tr payments and no 341( missing docx) and NS

all 341 docs are in now but needs to be current so needs a revised order that adds language : debtor must pay total of $300 to the trustee w/in 14 days of entry of order . ( That will bring debtor current as of august

341 to be scheduled on or before 9/11/25 and conf to be heard on 9/24/25
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Adjournment
08/13/2025 9:00 am25-16672 / CMGKarina Pia Lucid, Esq.Motion Extend TimeNo Opposition FiledMTN EXT STAY
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-17117 / CMGPRO SEMotion Relief from Stay (Fee)No Opposition FiledROMAN POLLAK/LANDLORD (RAGAN)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 9:00 am25-17212 / CMGPRO SEMotion Relief from Stay (Fee)No Opposition FiledSUBURBAN PARTNERS/LANDLORD (TRENK ISABEL)
Email InquiryMatter ResolvedRequest
Adjournment
758/13/2025 10:00 am23-11217 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 60 of 29 required payments   Arrears: $50,135.00
AS OF 6/30/25 (SF) Updated


Trustee objection:

Plan proposes to reduce payment. No updated proof of income provided. Also there are arrears of
$47,627 which are not addressed in modified plan.


Plan proposes to reduce payment. No updated proof of income provided. Also there are arrears of $47,627 which are not addressed in modified plan. (UPDATED PROOF OF INCOME RECEIVED) NEED TO RESOLVE ARREARS


MP proposes $6283.55 x 26; $200 x 34 Base
Plan has run 28 months with 32 months remaining
Arrears: $47,627

RESOLVED:
1. The debtors have failed to provide amended Schedules I & J. (RECEIVED)
2. The debtors have failed to provide Updated proof of income. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am23-16295 / CMGWarren Brumel, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 24 required payments   Arrears: $1,631.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am24-13586 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 1 of 15 required payments   Arrears: $6,876.00
Email InquiryMatter ResolvedRequest
Adjournment
788/13/2025 10:00 am24-14991 / CMGRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 14 required payments   Arrears: $324.00
AS OF 7/1/25 (SF) UPDATED


Note: Auto payment of $490 is still listed on Schedule J. The car was surrendered


Updated proof of income provided. Disposable income verifies at $742 plus $490 = $1232. Second job is not listed on Schedule I. Also Citizen pay stubs are not very clear, may wish to resend.

1. Modified plan proposes to reduce payment. The modified plan surrenders a vehicle. Need amended I and J and current proof of income for May and June 2025.



MP proposes $100 x 60 Base
Plan has run 13 months with 47 months remaining
Surrenders 2022 Buick Encore
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am24-15770 / CMGDavid E. Shaver, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 13 required payments   Arrears: $22,774.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am24-16473 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 9 required payments   Arrears: $15.00
AS of 6/23/25(mk):

7/11/25 mk: motion filed om for 8/13
1. NO Cert of Service for SBA CRAM- on a UCC claim - this action requires a separate motion WITH PROPER SERVICE ON THE SBA- CK THE RULES FOR THIS-as the case was previously confirmed
plan calls it cram on business property. WHAT business property?


MP proposes:$148 X 60; MIN $3000
SBA FILED A PARTIALLY SECURED CLM. PLAN CRAMS DOWN TO VALUE OF THIS PROPERTY

Plan has run 8 mos and 52 remain

Prior Conf:$592 PTD (4 MOS) $151 X 56 BEG 3/1/25 ; BASE $9,048 W/MIN $4,000 TO GUCS ;
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am24-18668 / CMGJonathan Stone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 11 required payments   Arrears: $0
As of 6/30/25(mk)

Case will be 10 mos. old in August. CASE IS PEREMPTORY FOR 8/13/25

Per last hearing on 6/11: trying to resolve w/ creditor need CO on McNally obj in 14 days :SO FAR NO CO

>>Still have a dispos. income issue NOT ADDRESSED BY new plan.

work up on MP before conf #47 Plan now a base as 100% not feasible. We have NE Equity in personal property of $14,666 . There is no equity in the real property if the lien of Glassboro Plaza LLC remains a valid lien on the real property. If it is unsecured, then there is equity in real property of 81,674

1.This plan(In part 7 b only- needs to also be listed in part 4) attempts to avoid lien of Glassboro and reclassify to unsecured Plaza, LLC consent J'ment in the amt. of $93,711.92


2. TRUSTEE OBJECTION: not resolved form prior plan
- Verified income leaves monthly disposable income of $2,823.

- Need to file Pre-Confirmation Certification. (NOT FILED)

- Need Settlement Statement from avenue throwing company that debtor previously owned. (NOT RECEIVED)

- This plan still has 10 cornerstone student loans listed 1 is pay at 100% and rest are outside- NO CLAIMS WERE FILED BY THIS CREDIOTR- ONLY 2 STD LOAN CLAIMS FILED BY NJ CLASS FOR $2,475.44 AND $7,196.93- Are those to be paid outside?

Plan: $312.50 X 4; $830 X 54 BASE
current at 830 p/m
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am24-18811 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 10 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
868/13/2025 10:00 am24-21476 / CMGPRO SECONFIRMATION HEARING - Order Vacate Dismissal of Case3rd Party MatterDebtor has made 8 of 8 required payments   Arrears: $0
need motion to allow late mtg claim

mk: per RAS firm-Represents the mtg Lender: creditor says not proper service on motion to vacate dismissal. Debtor served RAS office but not the actual Mtg . creditor.

arrears for Mtg lender in prior case was over 197,000

As of 6/23/59mk);

>>NO MTG CLAIM OR OBJECTION HAS BEEN FILED. Plan has Select portfolio in part 4 a and part 4 d to pay in full- strilke that part 4g and since no claim filed 4 a has to strike too

>>BAR DATE HAS PASSESD AND ONLY # UNSECURED CLAIMS FILED.

1. Trustee objection:
- Amendments to Schedules C to correct exemptions. NOT FILED TO DATE.

- Plan fails to provide for a prompt loan modification completion date. NOT PROVIDED TO DATE.

- 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): As of now, there is $334,744.49 of non-exempt equity in real property. SCHEDULE D SHOWS CLAIM OF $446,000 RESULTING IN NON-EXEMPT EQUITY IS $197,800 THE PLAN HAS TO BE 100%.

- Need to file Pre-Confirmation Certification. NOT FILED TO DATE

- Need to provide additional pay stubs for teaching job NOT PROVIDED TO DATE

2. Trustee objection to debtor's claim of exemptions
- Amended Schedule C at docket #46 is not proper. Debtor has checked the box for 100% of fair market value for assets on Schedule C. Debtor must claim the allowed statutory exempt ion under Bankruptcy code section 522(d) for the assets.

proposed plan $1000x60 loan mod NO DATE PROVIDED, FAILS TO SPECIFY AMOUNT TO GUCS
7/7/payments

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

The Schedules fail to account for the debtor(s) tax refund in the amount of $2,923.87 when determining disposable income. NEED TO AMEND SCHEDULE I TO INCLUDE TAX REFUND- TR ADDED IN

- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. RESOLVED, PROVIDED CURRENT HOI POLICY
- Need upda
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Adjournment
08/13/2025 10:00 am24-22115 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
898/13/2025 10:00 am25-10096 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $110.00
mk ;adj by Ct to 8/13 to allow time for new counsel

AS of 6/26/25(mk)

>NO ATTY DISCLOSURE FILED BY CURRENT ATTY.PRIOR ATTY WAS PAID 6500 OUTSIE PLAN. HE HAS WITHDRAWN AND NEW COOUSEL IN CASE.

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

- needs to file pre conf cert and new atty disclosure statement.

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

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

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

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

5/28/25(mk):debtor is pro se now as atty has w/d. and the ADV.PRO has been dismissed per Order entered at #29 on 5/27/25. ADV PRO IS BACK- waitng for amneded Order
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-10159 / CMGScott J. Goldstein, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $365.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-11118 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 6/27/25 (SF)

1. Sunnova is for leased solar panels. They filed an unsecured claim 22-1 with arrears of $118.84 (OK TO PAY?)

2. Trustee objection:

- Need Proof of 2 month's income - . February and March paystubs for co-debtor job at NJIT.

-Debtor pension expires in 26 months and there will be an additional $373.78 available

- Co Debtor pension expries in 21 months and there will be an additional $1801 available


- Verified income leaves monthly disposable income of $1,415.37.

Currently need $900 x 21 (Begin 3/1/25); $2300 x 5 (Begin 12/1/26); $2500 x 34 (Begin 5/1/27) Base Plan w/min div of $39,462 to gucs per nonexempt equity in real estate


Plan proposes $900 x 60 Base w/min $12,530 to gucs
Payments: 4/4

RESOLVED:
- Need to resolve objection by PennyMac Loan Services. (RESOLVED) - PAY ARREARS
- Need a current market analysis - with comparatives sold within 6 months of filing. (RECEIVED)
- Need a copy of the last filed tax return - 2024 by 5/15/2025. (RECEIVED)
- Using Zillow, there is $46,241 in non exempt equity in the residence.
- Need to file Pre-Confirmation Certification. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-11123 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1018/13/2025 10:00 am25-11210 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $3,666.00
As of 6/25/25(mk):

1. The IRS filed an estimated priority claim #8 which needs to be amended. (STILL ESTIMATED) 5/21/25: - debtor has 2024 tax return . need to be submitted to IRS for APOC

3. One Main Financial filed a bifurcated claim which needs to be resolved. ($7,150 secured, $9,239.88 unsecured and arrears of $80)
mk: PAY ARRREARS ONLY

4. Trustee's objection:
- must file pre conf cert. (NOT FILED)

Plan proposes: $1,833 x 60 beginning 3/1/2025, 100% plan
Payments: 2/3, arrears $1,833

-----------------------------------------
PLAN IS 100%
- There is $160,840 non-exempt equity in house (LANGUAGE ADDED)
- There is $21,625 non-exempt equity in potential talcum powder product liability claim (LANGUAGE ADDED)
- There is $160,840 non-exempt equity in house (LANGUAGE ADDED)
- There is $21,625 non-exempt equity in potential talcum powder product liability claim (LANGUAGE ADDED)
Objection filed by SN Servicing (Friedman Vartolo) - failure to cure full arrears of $74,131.17 (Per POC). Plan proposes to pay $70,000. (UNRESOLVED) 5/21/25: atty has signed CO w/ SN Servicing resolving obj. =PAY POC ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
1048/13/2025 10:00 am25-11577 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 5 required payments   Arrears: $6,944.00
issues as of 6/26/2025 (jma)

1) 341 not held due to death in family - need to reschedule 341 hearing

Plan is 100% needs to be substantially current buy 8/13/15
Email InquiryMatter ResolvedRequest
Adjournment
1078/13/2025 10:00 am25-11999 / CMGDaniel L. Reinganum, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,000.00
PEREMPTORY for 8/13


AS of 6/26/25(mk): case will be 5 mos. old as of july

3rd hearing date

AMT: AVEN/2ND MTG NEEDS TO FILE AMED POC - #3-1 ON CLAIMS REGISTER HAS CORRUPTED INFO<<>>

1. ESTIMATED TAX CLAIMS BY IRS AND ST.OF NJ

2. Objection by AmeriCredit( Eisenberg):
- value for car cram too low

3. Trustee Objection:
-debtor has insufficient . income using the Profit and Loss statement provided from Nov.-Jan. verifies -$3,330.

debtor has failed to file a feasible plan - debtor cannot make plan payments, negative income. DEBTOR IS CURRENT

-excessive expenses: Life insurance $255, Tax payments Federal $1,995; Self Employment Tax $1,453 and NJ
Income Tax $380. Must provide proof of monthly expenses 10 days prior to confirmation.

- Attorney disclosure and plan do not agree as to fees to be paid, Disclosure has $0 due,
attorney received $4,750 and marks off will not be paid through plan, Plan has $4,750
attorney fees owed and Statement of Financial Affairs has attorney paid $1,600. None of
this agrees. Amended Attorney disclosure or mod plan must be filed to correct.

-need copy of the last filed tax return - for 2024.

- must file pre conf cert

Prop Plan $1,000 x 48 begin 3/1/25; Base
4/4 payments
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-12261 / CMGBrandon L. Martin, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
341 JUST HELD - NEED ADJOURNMENT REQUEST FORM
Email InquiryMatter ResolvedRequest
Adjournment
1318/13/2025 10:00 am25-12282 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $944.00

AS OF 6/11/2025 (at):

1. Objection filed by New Rez/Shellpoint/US Bank (Hill Wallack) - failure to cure arrears of $84,711.15 (Per POC). Creditor wants proof of efforts to sell the property. (UNRESOLVED)

2. Trustee's objection:
- 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 6/11/2025)
- NJ Division of Taxation filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $109,764 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to resolve objection by New Rez/Shellpoint. (LISTED ABOVE)

Plan proposes: $501 x 60 beginning 4/1/2025, sale of residence by 9/1/2025, 100% plan
Payments: 2/3, arrears $501
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-12397 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $7,500.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-12475 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $300.00
As of 6/24/25 (DS):


1. CREDITOR OBJ STILL NOT RESOLVED.

As of 5/16/25 (DS): Debtor atty requested adjournment to address all issues

5/21/25 (DS): 1. SPS (CHARLES WOHLRAB) obj to loan mod. Must resolve obj.

Prop Plan $300 x 6 begin 4/1/25; $1,471.56 x 54; Base and Loan mod on 23 S. Westfield Ave by 9/2025
Note: Updated auto insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-12766 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $2,817.00
issues as of 6/26/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to supply the Trustee with the following document(s): A copy of the deed - for Oak Ridge Rd, Clark NJ property to determine if Debtor has interest. If owned will need CMA and homeowner insurance. THE CREDITOR PROOF OF CLAIM FOR THE OAK RIDGE PROPERTY SHOWS 4 PARTIES IN OWNERSHIP OF THE PROPERTY OF WHICH TWO APPEAR TO BE RELATED TO THE DEBTOR SALLY A CARDILLO AND MICHAEL CARDILLO. THE DEBTOR IS MICHAEL J. CARDILLO. WHAT IS THE DEBTORS RELATIONSHIP TO SALLY AND MICHAEL CARDILLO?
- Amendments to Schedules B & C to include the upcoming inheritance check in the amount of $66,000. NOT FILED TO DATE
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts D(5) by $367.78. NEED TO FILE AMENDED SCHEDULE C.
- 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 $14,061, TD Bank acct#3777 $787, TD Bank acct#8282
$27 and pending docs on the Oak Ridge Rd property.
- Must provide details on the Estate of Rosemary Cardillo and add to confirming order non-exempt proceeds from Estate of Rosemary Cardillo to Trustee. NOT PROVIDED
- Must resolve creditor objection.
2) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Stewart Legal) objection to confirmation - need to resolve
- Creditor in process of filing Proof of Claim with anticipated arrears of $140,966.26.

proposed plan $1,415x3 begin 4/1/2025, $2,817x57 begin 7/1/2025 base plan
paid in $4,245
last claim 10-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
Email InquiryMatter ResolvedRequest
Adjournment
1378/13/2025 10:00 am25-12955 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
atty says provided dox for Tr and claims exceed 109(e0 reviewing them and will move againt

As of 6/4/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$504.34. Debtor will need to apply for E-Wage.
- Must provide Co-debtor paystubs for March, 2024 Tax return, statements for American Century Investment, PNC Investment accts, February and March bank statements for Bank of America accounts 4920 and 7464
and the Capital One and PNC bank accounts, prior to filing date 3/23/25.
- The amount of debt in Debtor's Plan exceeds the statutory limit for unsecured debt pursuant to 11 U.S.C.109(e) $465,275 total unsecured claims filed is $549,924.75.

Prop Plan $500 x 60 begin 4/1/25; Dollar Base $122,000 and Refinance on Overlook Dr by 4/1/26
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-13117 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1208/13/2025 10:00 am25-13190 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 6/26/2025 (JMA)

1) Santander Consumer USA/Chrysler Capita (Eisenberg, Gold) objection to confirmation - need to resolve
- The 2016 Jeep Wrangler cannot be crammed down since it was purchased February 16, 2024 - less than 910 days before the filing of this petition.
- Claim must be paid in full. The plan should be amended to provide for payment of $26,920.71 plus interest at 9.5%
- Must provide for adequate protection payments to Chrysler Capital beginning April 2025 at $188.75 per month.
- The vehicle must be insured with comprehensive and collision insurance coverage and liability coverage in accordance with the requirements contained in the contract. RESOLVED, UPDATED PROOF OF AUTO INSURANCE PROVIDED
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $369/month for cable/internet/phone; $895/month for food; $479/month for transportation; $214/month for car insurance (verifies at $181); Need proof of excessive expenses 10 days prior to confirmation.
- Need an amended disclosure of attorney compensation that pays attorney 's fees through the plan - PROVIDED STATEMENTS FOR AT&T $456.09/MONTH; XFINITY $306.78/MONTH AND CAR INSURANCE $181. STILL NEED DOCUMENTATION FOR FOOD AND TRANSPORTATION,
3) New Jersey Division of Taxation claim 8-1 is estimated for 2022, 2023 and 2024 taxes - need amended claim

proposed plan $1,521x60 0%
paid in $4,563
last claim 8-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document (s): Need updated car insurance prior to confirmation. Policy provided expires on 5/1/25. RESOLVED, PROVIDED RENEWAL POLICY GOOD THROUGH 5/1/2026.
- The vehicle must be insured with comprehensive and collision insurance coverage and liability coverage in accordance with the requirements contained in the contract. RESOLVED, UPDATED PROOF OF AUTO INSUR
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-13321 / CMGRussell L. Low, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 4 required payments   Arrears: $200.00
AS OF 6/26/25 (SF)

1. Objection filed by PennyMac Loan Services (Powers) - failure to provide for arrears of $2419.80 to be paid through the plan

2. IRS filed estimated unsecured claim 3-1 (NEED AMENDED CLAIM)

3. Trustee objection:

- Need 2 months bank statements from TD Bank savings acct prior to filing date.

- The debtor must provide updated proof of auto insurance for the 2011 Acura , 2013 Honda and 2002 Saab. The policy provided has expired. (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.
Disposable income verifies $555.

1e. This plan needs to be withdrawn and a new plan filed checking off that box for Joint
administration.

- Must resolve IRS estimated tax claim, 2019 and 2020 tax return not filed.

-Per CMA provided Debtor has solar panels. None listed on Plan or Scheds. If a claim is filed,
this will need to be addressed.



Plan proposes $200 x 60 Base
Payments: 2/3 Arrears: $200

RESOLVED:
- Case is a Joint case and the plan filed fails to check off the box for joint administration in part (MP FILED)
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)

Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-13695 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $1,026.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-13752 / CMGJennifer L. Kearney, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $900.00
AS OF 6/23/2025 (at):

1. Objection filed by Carvana/Bridgecrest (McCalla Raymer) - objecting to cram value of 2019 Dodge Durango. Plan proposes to value the vehicle at $11,000. Per NADA the retail value is $20,525. Creditor wants full petition balance of $17,983.26 at 8.5%. (RESOLVED - CREDITOR WILL BE PAID $22,137.26 OVER THE LIFE OF THE PLAN)

2. Objection filed by Capital One Auto Finance (McCalla Raymer) - objecting to cram value of 2018 Cadillac ATS. Plan proposes to value the vehicle at $11,000. Per NADA the retail value is $13,575. Creditor wants full petition balance of $13,575. (UNRESOLVED)

3. Trustee's objection:
- Form 122C-2 Line 45 has minimum $5,336.23 which would require minimum $320,173.80 to general unsecured creditors. Plan 100%

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 - needs to show personal
liability coverage (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 $142,052.79 non-exempt equity in house. Must pay minimum $142,052.79 to general unsecured creditor through plan. (LANGUAGE ADDED)

Plan proposes: $1,800 x 60 beginning 5/1/2025, 100% plan
Payments: 2.5/3 arrears $900.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-13827 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1308/13/2025 10:00 am25-13870 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
atty needs to review the numbers adj to 8/13/25


SEE mk notes for work up

AS OF 7/1/2025 (at):

RECOMMEND: $1,500 PAID TO DATE, $4,648 x 57 BEGINNING 8/1/2025, 100% PLAN
- Preserve non exempt equity of $239,105 in real estate.
- Need order resolving objection by PNC Bank within 30 days of confirmation. (pay arrears claim)

1. Objection filed by PNC Bank (Fein Such) - failure to cure arrears of $4,483.66 (Per POC) Plan states creditor is unaffected. (UNRESOLVED) MK OK TO PAY and that resolves obj. add lang to terms that OTBS resolving obj and pay arrears and maintain reg,payments outside.

2. Cavalry SPV filed a secured claim in the amount of $2,791.36 which is not in the plan. Are the debtors going to pay this claim? MK: YES PAY

3. The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED) MK APOC filed - no longer estimeted

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2024 (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - policy provided expires 6/24/2025 (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):
- Excessive expenses on Schedule J $600/utilities; $452/telephone, cellphone, internet (100 %
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 $239,105 non-exempt equity in house (100% PLAN.) (LANGUAGE ADDED)

Plan proposes: $750 x 60 beginning 5/1/2025, 100% plan
Payments: 2/3, arrears $750
Email InquiryMatter ResolvedRequest
Adjournment
1328/13/2025 10:00 am25-14064 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $350.00
issues as of 6/25/2025 (JMA)

1) 341 hearing has been rescheduled for 7/3/2025
2) To date, no Trustee payments have been made, arrears $700 - proof of pay 7/1

proposed plan $350x60 with minimum $14,000
paid in $0
arrears $700
last claim 14-1
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14109 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
As of 6/23/25 (DS):


1. Trustee obj to the following:
- Must provide a current market analysis with comps sold within 6 months from filing. Based on 2 of the comps provided that are within the 6 months shows there is estimated non-exempt equity $15,460 pending all secured claims filed.
- There is estimated non-exempt equity in the residence $24,028 and in bank accts $927. Recommend waiting pass bar date 6/30/25 to allow all claims to be filed.
- Disposable income verifies $1,115.84.
- Must file Pre-confirmation certification.

2. Village Capital filed arrears claim $1,888.98. Trustee ok to pay?

3. JPMorgan Chase filed unsecured claim, not judgment lien. RECOMMEND STRIKING AND NOT PAYING.

Prop Plan $566 x 60 begin 5/1/25; Base
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14119 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
As of 6/27/25 (DS): Debtor atty requested adj to allow time to obj to Wells Fargo claim.

As of 6/23/25 (DS): 1. Trustee obj to the following:
- Must provide bank statements from Chase Bank accts#8238 and #8801 for March and April prior to filing date.
- There is non-exempt equity in the residence $14,167, PNC Bank acct #7239 $94, Chase Bank acct#2465 $1,618, pending bank statements from Chase Bank accts#8238 and #8801.

2. Wells Fargo filed secured claim for items purchased at Value City for $4,030.23, no arrears owed. Trustee to treat outside.

Prop Plan $488 x 60 begin 5/1/25; Dollar Base $20,805.57
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14143 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 7/14/2025 (mk): spoke to atty - getting info on bons income.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification.
- Need:- 401(k) loan balance statement (most recent) and Chase Bank acct ending#5465 and acct#1235 (March & April.)
- Amendments to Schedules A/B and C to add Chase Bank checking accts. (NOT AMENDED)

Trustee's calculations are higher for the following reason(s):
- Proof of income provided shows that spouse receives an Executive bonus and RSU yearly. Disposable income would verify $3,666.

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

Spouse debt expenses $856.55. MK: ok
- The Schedules fail to account for the debtor(s) tax refund in the amount of $11,993 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- There is 16,239 non-exempt equity in real estate. (LANGUAGE ADDED)

Plan proposes: $190 x 20 beginning 5/1/2025, $455 x 40, base
Payments: 3/3
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14181 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 6/25/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- - 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 social security income - per bank statement deposits
- The debtor must provide proof of auto insurance for the 2011 Honda.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $1,950/month mortgage payment (per statement the payment is $1,901.82)
- 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 $28,335 in non-exempt equity in the residence.
- There is $4,828 in non-exempt equity in the 2024 Honda Civic.
- There is $2,829 in non-exempt equity in the bank 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).

proposed plan $250x60 base plan
paid in $500
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
1418/13/2025 10:00 am25-14214 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 21 of 3 required payments   Arrears: $0
341 dox in - needs date

issues as of 6/25/2025

1) 341 not held, not rescheduled - still missing documents
2) US Bank (McCalla Raymer) objection to confirmation - need to resolve
- arrears $76,310.84

proposed plan $200x3, $3392x57 100% plan
paid in $400
last claim 11-1
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14238 / CMGJoseph J. Mania, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
341 IS 6/26/2025. (READY)
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14280 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $740.00
made payments totaling $470 to Tr in May and a $200 payment in July Arrears $740 as of 7/16/25 needs to get current- send debtor email w/ work up

7/16/25(mk):

1. Trustee objection:
- The debtor has failed to file the required Pre-Confirmation Certification.

proposed plan $470x36 5%- MUST BE A BASE PLAN
1/3 payments

----------------RESOLVED ISSUES-------------------
- Schedules fail to account for tax refund of $686.00 when determining disposable income. ADDED IN
- Add language Tr std order of distribution.
- Add language the plan will be a base plan.

- The debtor has failed to supply the Trustee with the following document(s): Domestic Support Obligation information the form and court order. RESOLVED, PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14355 / CMGHasibul Haque, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $316.00
issues as of 7/10/25(mk)

1. Wells Fargo Bank (RASC) objection to confirmation - need to resolve
- anticipated secured creditor's proof of claim will evidence arrearage due in the amount of $660.98-PER ATTY OK TO PAY CREDITOR TO SUBMIT ORDER RESOLVING OBJECTION

2. Crestwood Village Six Community Association, Inc (Collins Vella Casello) objection to confirmation - need to resolve
- creditor proof of claim in the amount of $38,421.75, plan only provides for payment of $18,978.50- PER ATTY- PAY FULL CLAIM- NEED ORDER RESOLVING OBJECTION

3. Trustee objection:
- 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 non-exempt equity in the residence $45,058.



Plan $316.31x60 base
2/3 payments
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14412 / CMGJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 3 required payments   Arrears: $73.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14451 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
341 is 6/26/2025. (READY)
Email InquiryMatter ResolvedRequest
Adjournment
1518/13/2025 10:00 am25-14488 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 6/23/25 (SF)

1. 341 NOT HELD - MISSING DOCUMENTS
2. NO PAYMENTS: 0/2 ARREARS: $400
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14517 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $600.00
AS OF 6/27/2025 (at):

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

1. 341 is scheduled for 7/27/2025. (READY)
2. Payments: 1/2, arrears $600

Order resolving objection by Planet Home Lending - pay per POC
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14553 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 6/23/2025 (at):

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- Need statements for the debtor and co-debtor's 401k loans. (RECEIVED MICHEAL NEED JESSICA)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$475/month for cable/internet/phone
$640/month for child care
$407/month for medical/dental
$211/month for pet care
$163/month for deck repair
$405/month for birthdays/holidays/emergencies
$339/month anticipated student loans
$163/month for rodent infestation removal
Need proof of excessive expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I &
J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Proof of income provided verifies higher than scheduled resulting in $2,366 monthly
disposable income.
-- Debtor Calculation: March Ytd Net $18,942/3.
-- Co-Debtor Calculation: March Ytd Net $19,150/3.
- 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): The is currently $1,500 non-exempt equity in the residence pending the filing of secured mortgage claims and IRS/NJ priority claims.

RESOLVED ISSUES:
- 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'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: $413 x 60 beginning 5/1/2025, $0 to unsecured creditors
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14628 / CMGJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 2 required payments   Arrears: $46.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14658 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $358.00
AS OF 6/23/25 (SF)

Copy of money order in the amount of $358 received

1. 341 NOT HELD - RESCHEDULED TO 7/3/25
2. NO PAYMENTS: 0/1 Arrears: $358
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14684 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 6/24/25 (DS): 1. Trustee obj to the following:
- Plan fails to provide a prompt loan completion date, which has 2/2026 and Part 8a vesting pf property needs to be amended and mark off upon confirmation. Must file mod plan to correct.
- Income is insufficient, disposable income verifies $549, plan propose a tier of $1,000 x 6, then $1,300 x 54. Due to IRS filing a much higher claim $60,283.59 will require an increase estimated to be $2,036 or more. Will need E-Wage.
- IRS filed estimated claim, 2019-2023 not filed.
- Must file Pre-confirmation certification.

2. IRS (ALINA HABBA) obj to plan amounts proposed is insufficient, there is a secure claim filed for $60,283.59 and estimated claims due to tax returns not filed. Must resolve obj.

3. Fay Servicing (LAUREN MOYER) obj to loan mod and arrears not paid. Must resolve obj.

Prop Plan $1,000 x 6 begin 6/1/25; $1,300 x 54; Base and Loan mod by 2/2026
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14741 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-14939 / CMGJacqueline R. Rocci, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 6/26/2025 (JMA) - atty to upload adjournment request

1) MidFirst Bank (Gross Polowy LLC) objection to confirmation - need to resolve
- Plan fails to address treatment of mortgage arrears
- Secured creditor will file a proof of claim listing approximately $652.28 in pre-petition arrears
- Plan also fails to provide for post-petition payments in the amount of $3,168.60
2) MEB Loan Trust (Padgett Law Group) objection to confirmation - need to resolve
- Estimated arrears $6,760.56
3) Trustee objection to confirmation hearing - need to resolve
- The debtor has insufficient income. Per Profit and Loss statements disposable income is -$401.84 monthly. Total disposable income verifies $959. Will 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 recent comps sold within the last 6-9 months, comps provided are from 2/26/24-7/12/24.
- Proof of 2 month's income - Profit and Loss income must be updated for the 2nd quarter. June is missing complete month, since docs were submitted 6/4/25 is not full month of June.
- Business profit & loss statements
- A copy of the last filed tax return - for 2024 Sched C Profit & Loss from Business is missing.
- Amendments to Schedules A/B and C to add Wells Fargo business acct $283 and business value $10,000 (Per business forms).
- The debtor must provide updated proof of auto insurance for the vehicles listed on Sched B. The policy provided has expired.
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(5) by $6,532.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Electricity/heat/gas $850, Water/sewer/garbage $250, Tele/cell/internet/cable $600, Medical $400, Life insurance $540.15, Auto insurance $1,288.97, Must provide proof of expenses 10
days prior to confirmation.
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15277 / CMGStacey L. Mullen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,610.00
AS OF 6/13/25 (SF) - Adj request denied. no payments
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15481 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $9,576.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15515 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15524 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15543 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15552 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $525.00
6/2/25 (sf) adj request denied, 341 not held and no payments
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15581 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $400.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15702 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,000.00
mk: adj to 8/13 as that is enddate of Ct order for JCP &L service to prop.
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15819 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $220.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15842 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $100.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15844 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,367.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15847 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $219.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15866 / CMGPasquale Menna, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $413.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15910 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15919 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-15999 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16003 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,084.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16025 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,800.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16030 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,261.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16063 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $150.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16071 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $100.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16162 / CMGScott M. Wilhelm, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16178 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $151.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16198 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16289 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,500.00
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16328 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 10:00 am25-16369 / CMGDarren M. Baldo, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 12:00 pm21-12347 / CMGAndre L. Kydala, Esq.Application for Unclaimed FundsNeeds Resolution of Issues - ObjectionsTrustee obj, app outdated & missing info; failed to comply with LBR3011-1<>DEBTOR APPLICATION FOR UNCLAIMED FUNDS/DEBTOR REFUND $2,914.48
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 12:00 pm22-12925 / CMGRobert Cameron Legg, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 12:00 pm23-18045 / CMGKarina Pia Lucid, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 12:00 pm25-13041 / CMGAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 12:00 pm25-15025 / CMGMarc C. Capone, Esq.Motion CompensationRecommend Granting
Email InquiryMatter ResolvedRequest
Adjournment
08/13/2025 12:00 pm25-16265 / CMGCamille J. Kassar, Esq.Status ConferenceJudge to Reserve DecisionSTATUS CONFERENCE


interim order extending stay
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes