ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 8/19/2026
Last Updated: 7/10/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
98/19/2026 9:00 am22-12768 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: MP 8/19**<>

Debtor obj, filing MP<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
118/19/2026 9:00 am22-16632 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 9:00 am22-17993 / MBKDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledFAILED TO REFI BY 5/15/26
Email InquiryMatter ResolvedRequest
Adjournment
268/19/2026 9:00 am24-14085 / MBKDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>US BANK NAT'L ASSOC (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
388/19/2026 9:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: LOSS MIT EXT TO 7/15, BUT PLAN ARREARS- $4502<>

Debtor obj, made pymts<>FAILED TO LM BY 1/15/26; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 9:00 am25-17337 / MBKRoman Akopian, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterPNC BANK (FEIN, SUCH)
Email InquiryMatter ResolvedRequest
Adjournment
448/19/2026 9:00 am25-17723 / MBKJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objections(AMT: LOSS MIT ORDER 5/27/26)<>

to get loss mit package by 6/17 or D

Debtor obj<>FAILED TO LM BY 2/1/26;
Email InquiryMatter ResolvedRequest
Adjournment
518/19/2026 9:00 am25-19064 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 9:00 am25-19325 / MBKRobert Cameron Legg, Esq.Motion Sell3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
778/19/2026 9:00 am25-21422 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT; LOSS MIT EXT TO 8/15<>

Debtor obj<>FAILED TO LM BY 4/1/26
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 9:00 am25-22802 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor Stay3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 9:00 am25-22802 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 9:00 am25-23092 / MBKMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)3rd Party MatterLAKEVIEW LOAN MTG (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
658/19/2026 9:00 am25-23257 / MBKDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 8/19<<>>

Debtor obj<>PLAN WAS DENIED ON 5/35/26 AND FAILED TO FILE MP IN 14 DAYS; SV/HUNTINGTON NATL BANK
Email InquiryMatter ResolvedRequest
Adjournment
688/19/2026 9:00 am26-11413 / MBKSteven J. Abelson, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>CITIGROUP MTG (KML)
Email InquiryMatter ResolvedRequest
Adjournment
718/19/2026 9:00 am26-11747 / MBKPaul N. Mirabelli, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>ROCKET MTG (STERN & EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 9:00 am26-14905 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
858/19/2026 10:00 am22-12768 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 26 of 51 required payments   Arrears: $30,636.00
AR RESOLVE OR HOLD

AS OF 6/25/26 (SF) BELOW ISSUES STILL APPLY - DEBTOR IS NOT CURRENT WITH PAYMENTS


1. Objection just filed by the IRS (John Stinson, Assistant Us Atty) - For reasons described in the Trustee objection, the Second Modified plan is not confirmable.

2. Trustee objection:

- Modified plan proposes to pay IRS secured claim outside of the plan without a consent order.
(Per AR need special service) (CERT OF SERVICE FILED)

- Need explanation as to why the IRS priority claim is listed under 4f as unaffected and also listed to be paid in 2a in the plan. (PER ATTY OK TO PAY PRIORITY AND STRIKE LANGUAGE IN PART 4)

- Modified Plan reduces payment without filing amended I and J and copy of 2024 Tax Return.
ATTY WILL FILE AMENDMENTS TO SHOW FEASIBILITY) (STILL NEED) Updated proof of income and 2024 return provided. Need to review.

- Ally Capital claim 15-1 listed as unaffected when there is a balance due of $22,234.27.
(We have money on reserve if mp confirmed we release the reserve to surviving creditors in order of priority) Unaffected and creditor is free to seek stay relief


- The Stay is vacated as to Capital One Auto Finance. It's listed as unaffected but should also be surrendered under the plan.


3. Trustee Cert of Default 7/8/26 at 9


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

Email InquiryMatter ResolvedRequest
Adjournment
868/19/2026 10:00 am23-20810 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 37 of 32 required payments   Arrears: $0
As of 7/6/26 (DS): Debtor atty requested adj to allow time to file mod plan

As of 6/30/26 (DS): 1. BELOW ISSUES STILL REMAIN UNRESOLVED.

5/27/26 (DS): 1. PHH Mtg (CORY WOERNER) obj to plan proposing sale, no payment to mortgage, no proof of sale and sale date 3/1/27 is excessive. Must resolve obj.

2. Creditor cert of default filed by mortgage as well. Debtor in post-pet arrears from Jan-April total $8,519.76, sched 5/27/26. Must resolve.

MP Prop $500 x 3 begin 12/1/23; $200 x 57 begin 3/1/24; 100% and Sale of Morgan Terrace by 3/1/27 - Propose sale of residence.
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am23-20810 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 37 of 32 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
878/19/2026 10:00 am24-12597 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 28 of 28 required payments   Arrears: $0
AS OF 6/29/26 (SF)

MP surrenders car. Need amended Schedule J to remove auto payment.

MP proposes $200 x 36 Base
Plan has run 27 months with 9 months remaining
Surrenders car
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 8 of 17 required payments   Arrears: $4,869.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 8 of 17 required payments   Arrears: $4,869.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am25-15171 / MBKBrian W. Hofmeister, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 13 of 14 required payments   Arrears: $1,200.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am25-19064 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 11 required payments   Arrears: $4,784.00
Email InquiryMatter ResolvedRequest
Adjournment
948/19/2026 10:00 am25-19309 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 11 of 10 required payments   Arrears: $0
ar resolve or hold 7/1 workup EDC

MP FILED $350 X 24 THEN $2900 X 36 BASE


: 1. State of NJ filed estimated tax claim, 2022-2025 not filed. Must resolve claim. DONE

**Matthew Melton and Eric Falkenstein (Straffi & Straffi) obj to conf - NEED TO RESOLVE
- The creditors filed a proof of claim in the amount of $420,000 representing a breach of contract and malicious intent. Debtor's proposed plan filed does not account for all of the Debtor's disposable income and non-exempt assets. Debtor inaccurately classifies debt as personal rather than business and only accounted for a fraction of the total claims pending against him.

** Trustee obj to the following:
- Our non-exempt equity is calculated at $5,500 in 2003 Ram, $6,761 in 2016 Mazda, $5,500 in 2005 Nissan, $1,500 in 2001 TNT Trailer and $104,088 in the residence TOTAL $123,349. This would increase the second tier by $1000 a month. Plan would need $350 x 24 then $3999 x 36 for last tier


Prop Plan $350 x 60 begin 10/1/25; Base

-----------
RESOLVED
2. PennyMac filed arrears claim for $741.25. Trustee ok to pay?
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am25-20070 / MBKErik Frins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 10 required payments   Arrears: $2,222.00
Email InquiryMatter ResolvedRequest
Adjournment
978/19/2026 10:00 am25-21492 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 9 required payments   Arrears: $308.00
6/16/26 Adj request denied. An appearance is required

AS OF 6/10/26 (SF) BELOW ISSUES STILL APPLY

1. Objection filed by AmeriCredit Financial Services (Craig) - to cram and failure to provide for adequate protection payments COTBS (STILL NO ORDER)

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

3. Lakeview Loan Servicing filed arrears claim 4-1 in the amount of $111.15 which is not addressed in plan (OK TO PAY)

4. Trustee objection:

- There is nonexempt equity of $7627 in real property.

Plan proposes $379 x 60 Base
Payments: 7/8 Arrears: $379



RESOLVED:

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

- Need to provide August 2025 bank statement. (RECEIVED)

- The debtor must provide updated proof of auto insurance for the 2018 GMC, 2017
CADILLAC, 1996 FORD. The policy provided has expired. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
998/19/2026 10:00 am25-22096 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 8 required payments   Arrears: $3,700.00
6/29 workup EDC

*NOT FEASIBLE --income is negative and per below to confirm would need:
$2100 paid then $3082 x 53 beg 7/1/26 100% -preserve equity of $129,358--- Fee app within 7 days from confirming order.--- Student loans to be treated outside.--- Add to confirming order Trustee ok to pay arrears claim#21-1 of Cavalry SPV of $599.88.

-ok to pay claim#21-1 $599.88

-ATTY STATES HOME DOES NOT HAVE THE VALUE GIVEN, EMAILED ATTY TO PROVIDE UPDATED CMA FROM REALTOR STATING PROPERTY NEEDS REPAIRS OR APPRAISAL WITH PROOF OF REPAIRS, ZILLOW VALUES $512,800); PER EDC OK TO USE VALUE OF $445,000 WHICH IS ESTIMATE FROM UPDATED CMA--SO EQUITY IS $103,327 PLUS $26,031 IN PERSONAL PROPERTY=$129,358 TOTAL SO STILL WOULD NEED 100%

- Fee app within 7 days from confirming order.
- Student loans to be treated outside.
- Add to confirming order Trustee ok to pay arrears claim#21-1 of Cavalry SPV of $599.88.

1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$958. Debtor will need E-wage.
- Plan does not specify treatment of Cavalry Investments/Sprint judgment lien $599.88. Trustee ok to pay?
- There is non-exempt equity in the residence $146,272, Arbitration $6,510, Boutique goods inventory
$5,000, Tea business inventory $13,000, PNC Bank accts $1,266 and Capital One Bank $255 total $172,303.
- Add to confirming order fee app within 7 days from confirming order.
- Add to confirming order Arbitration funds $6,510 to Trustee, which is the non-exempt proceeds.
- Must resolve creditor objection.

2. Fifth Third Bank (CORY WOERNER) obj that arrears owed are more, POC filed with arrears $16,059.33. Must resolve obj. OK TO PAY PER KNOWLTON

Prop Plan $300 x 6 begin 12/1/25; $2,000 x 54; Base

----
RESOLVED
Need to confirm at $300 x 6 begin 12/1/25 (March payment must be made); Lump sum payment $6,510 by 4/1/26 (PER EMAIL FROM ATTY DEBTORS DID NOT RECEIVE FUNDS, EMAILED ATTY TO PROVIDE DEBTORS CERT STATING SAME) non-exempt proceeds); $2,910 x
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am25-23257 / MBKDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1038/19/2026 10:00 am25-23688 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
7/8/26 - Updated Cert and bank statements just provided, need to be reviewed

AS OF 7/1/26 (SF) BELOW ISSUES STILL APPLY

Per AR cert provided is inadequate. no detail


AS OF 5/21/26 (SF) Updated - Per atty ADJ REQUEST FROM 4-15 GRANTED an adjournment to provide the certification. (NO CERT PROVIDED)

The debtor financed two loans with Sofi: $70,000 12/3/24 AND $34,0000 9/15/25 (NEED CERT AS TO HOW FUNDS WERE SPENT) CLAIMS 2-1 AND 3-1


Trustee objection:

- Need to provide November and October 2025 statements for acct #8624. (RECEIVED. NEED EXPLANATION FOR $34,000 DEPOSIT ON 9/16/25)

Response from Atty:
The $34,000 deposit was for a debt consolidation loan from SoFi Bank, which appears on the debtor's list of debts. The creditor also filed claim no. 4 for this debt on 01/22/26. The debtor used these funds to pay toward credit card debts and also used approximately $1,600 of that to pay for a car repair.

Plan proposes $550 x 60 Base
Payments: 6/7 Arrears: $550

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Must provide a copy of the last filed tax return - 2025 by 5/31/2026 (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am25-23730 / MBKRobert Manchel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $1,075.00
6/29 WORKUP EDC

-House has now been listed per trustee request on 6/5. Status?

As of 4/9/26 (DS): 1. Trustee obj to the following:
- Must provide Debtor/spouse 2025 Tax return.

- Per HUD on sale of additional property sold 6/27/25 Debtor received $106,398 from proceeds 6 months after filing. WHAT WAS DONE WITH THE FUNDS?

- Debtor has undertaken an improper use of exemption. Specifically: Schedule C over
exempts d(5), takes full d(1), which only leaves $1,675 of d(5).

- There is non-exempt equity in the residence $194,542, 2012 Toyota $1,575 and bank accts $1,226. PLAN NEEDS TO BE CONFIRMED AT 100%

- Add to confirming order non-exempt proceeds from sale of residence to Trustee.
- Must resolve creditor objection.

-- Bank of America-2nd mtg (POWERS KIRN) obj to plan proposing less arrears, POC filed arrears owed $1,965.04, also obj that no realtor has been appointed when plan is proposing sale. Must resolve

Prop Plan $1,075 x 60 begin 1/1/26; Base and Sale of Old Trenton Rd by 8/1/26
Note: 2024 Tax return provided.
Email InquiryMatter ResolvedRequest
Adjournment
1068/19/2026 10:00 am26-10357 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $885.00
6/9 workup EDC

*No claim filed by Clinton. Cannot pay unless claim filed

*Trustee objection:
-- The debtor has insufficient income. Income is negative by $554
- 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 copy of the last filed tax return - for 2025 by 5/31/2026.

$890 X 60; BASE
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-10969 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 6 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
1088/19/2026 10:00 am26-10969 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $1,000.00
PROVIDED 2025 TAX RETURN, NO REFUND
issues as of 6/12/2026 (JMA)

1) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor rejects the plan because the arrears are insufficient to satisfy pre-petition arrears. Creditor estimates pre-petition arrearage of
$54,435.88 and the Plan proposes to pay arrears of $50,250.00.(RESOLVED)

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - 2025 by 5/31/2026. NOT PROVIDED TO DATE
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Excess expenses on Schedule J $475/telephone, cellphone, cable; $1,000/spouse credit cards. SUPPORTING DOCUMENTATION NOT PROVIDED
- 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 $24,427.50 non-exempt equity in house.
- There is $2600 in disposable monthly income after deducting social security income.

proposed plan $500x6, $1,500x54 loan mod by 9/2026 100% plan
paid in $1,500
arrears $1,000
last claim 22-1
Email InquiryMatter ResolvedRequest
Adjournment
1128/19/2026 10:00 am26-11335 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
As of 6/17/26 (DS): 1. Debtor in arrears $400,, made 2 out of 4 payments. ATTY PROVIDED PROOF OF TFS PAYMENT $200 MADE TODAY, WILL NOT CLEAR FOR 5 DAYS.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$1,814. Debtor must do e-Wage. HOW IS PLAN FEASIBLE WITH NO INCOME?
- There is non-exempt equity in the 2019 Chevy, no claim filed. PROOF FROM DEBTOR ATTY SHOWS THAT DEBTOR PAID OFF THE CAR LOAN $16,536 ON 2/10/26. DURING THE BANKRUPTCY. WHERE DID THE FUNDS COME FROM? DEBTOR HAS INSUFFICIENT INCOME AND PER 2025 TAX RETURNS DID NOT RECEIVE A TAX REFUND. NEED EXPLANATION.

Prop Plan $200 x 36 begin 3/1/26; Base
Note: Car insurance provided 6/17/26. 2025 Tax return, DSO Info form and M&T Bank statements provided.
Email InquiryMatter ResolvedRequest
Adjournment
1138/19/2026 10:00 am26-11337 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,200.00
AS OF 6/15/2026 (at):

1. Objection filed by PennyMac (Fein, Such) - failure to cure arrears of $7,384.84 (Per claim) (RESOLVED)
(OTBS PAY CLAIM AS FILED)

2. Trustee's objection:
- A Modified Plan that increases trustee payment by $80 in month 45 of the plan when 401k loan is paid off. (MODIFIED PLAN NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,250/month for car insurance (verifies at $1,136)
$531 & 588 & 448 & 447/month car payments (cannot have 4 car payments)
- The current Plan does not specify treatment of Ally's secured arrears claim under the Plan. (ARE THE DEBTORS GOING TO PAY THIS CLAIM?)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- Need January and February bank statements for Penfed accounts 8101 and 5026 and Santander account 0295. (RECEIVED)
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. (LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor must provide proof of auto insurance for the 2011 Nissan. (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 $33,727 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to resolve objection by PennyMac.(LISTED ABOVE)

Plan proposes: $1,200 x 60 beginning 3/1/2026, $54,000 to unsecured creditors
Payments: 3/4, arrears $1,200
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-11337 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,200.00
Email InquiryMatter ResolvedRequest
Adjournment
1138/19/2026 10:00 am26-11413 / MBKSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $150.00
AS OF 7/7/2026 (at):

1. Objection filed by Citigroup Mortgage (KML) - failure to cure arrears of $240,248.37 and sale is speculative. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- Need January and February bank statements for account 0040. (per direct deposits) (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$680/month for medical/dental
$360/month for life insurance
Need proof of expenses 10 days prior to confirmation.

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2025 by 5/31/2026. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,144.00 when determining disposable income. (AVEREAGED/ADDED TO INCOME)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)
- Need to resolve objection by Citigroup Mortgage. (LISTED ABOVE)

Modified plan before confirmation proposes: $150 x 36 beginning 3/1/2026, sale of residence by 12/31/2026, base
Payments: 4/5, arrears $150
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-11458 / MBKMatthew Gross, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 5 required payments   Arrears: $7,395.00
Email InquiryMatter ResolvedRequest
Adjournment
1168/19/2026 10:00 am26-11716 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $12,981.00
$800 TO BE REC BY FRIDAY OR HOLD FOR JUDGE. IF REC WILL MARK AT DENIED BECAUSE OF MP THAT WAS JUST FILED

As of 7/8/26 (DS): ATTY FILED MOD PLAN 7/3/26 TO ADD SALE OF RESIDENCE AND MARK OFF 8C AND 8D AND PROPOSE 100%, STILL PROPOSE $4,043.05, BUT DEBTOR NOT CURRENT WITH TRUSTEE PAYMENTS.

1. Debtor in arrears $12,981.15, made 1 payment out of 5, last payment made was 5/1/26 via TFS in the amount of $4,043.05. ATTY PROVIDED PROOF OF TFS PAYMENT IN THE AMOUNT OF $852 MADE 7/7/26, WILL NOT CLEAR FOR 5 DAYS, STILL DOES NOT COVER THE ARREARS

2. BELOW ISSUES REMAIN RESOLVED SINCE LAST HEARING.

As of 4/30/26 (DS): 1. Debtor in arrears $8,086.10, made 0 out of 2 payments.
1 PYMT POSTED 5-1

2. Trustee obj to the following:
- Must provide 2 months proof of income from Intuit prior to filing date (docs provided is not pay stubs, but just net income, need stubs with deductions), Affidavit of contribution from son and 2 months proof of income from son prior to filing date.
- Amend Sched I to add son's contribution.
- Need a mod plan that marks off Part 8c and 8d Trustee standard order of distribution.
- Debtor has insufficient income, disposable income verifies $2,378, pending proof of income.
- There is non-exempt equity in the residence $5,035, 2019 Subaru $4,359 and Kearny acct#273 $963 total $10,357.
- Must resolve the estimated tax claims of IRS 2024 & 2025 not filed and State of NJ 2024 not filed.

Prop Plan $4,043.05 x 60 begin 3/1/26; Dollar Base $2,703.48
Note: 2025 Tax return provided 7/7/26 9:45am and update auto insurance for 2019 Subaru and bank statements provided 7/7/26 4:45pm.
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-11716 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 5 required payments   Arrears: $12,981.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-12296 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 1 of 4 required payments   Arrears: $187.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-12728 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $218.00
As of 6/11/26 (DS): Debtor atty requested adj to allow time to resolve Penny Mac claim#4-1 since this is not her property

ADJOURNED CONF PER ATTY PREVIOUS REQUEST TO ALLOW TIME TO RESOLVE ALL ISSUES AND PASS BAR DATE

As of 5/5/26 (DS): 1. Debtor in arrears $435.36, made 0 out of 2 payments. ATTY PROVIDED PROOF OF 2 TFS PAYMENT, 1 MADE 4/29/26 $217 WHICH WAS CLEARED, BUT NOT POSTED AND 1 MADE 5/5/26 $218 SCHED 5/7/26.

2. Trustee obj to the following:
- Must provide recorded Deeds for Hazelhurst Ave and S. Broad St properties.
- Need homeowner insurance with personal liability coverage, CMA and recorded Deed for S. Warren St property (PER PROPERTY SETTLEMENT AGREEMENT EX-SPOUSE TO TAKE OVER PROPERTY AND REFINANCE WHEN INTEREST RATES DROP. NOW HOW DO WE RESOLVE THE ARREARS CLAIM FILED BY MORTGAGE SINCE THIS IS NOT DEBTOR'S RESPONSIBILITY?
- Need valuation of business assets/business documents for Tu Envio Seguro, LLC showing Debtor's interest. (PER PROPERTY SETTLEMENT AGREEMENT DEBTOR AND EX-SPOUSE HAVE 50% INTEREST OF PROPERTY OF S. BROAD ST WHICH IS RENTAL PROPERTY) and Recorded Deeds for Hazelhurst Ave and S. Broad St.
- Disposable income verifies $1,199, tax refund $5,636 not included on Sched I. ATTY PROVIDED COPY OF CHILD SUPPORT PAYMENTS THAT SPOUSE MAKES $205 WEEKLY, WHICH WAS NOT LISTED ON SCHED J. MUST AMEND SCHED J TO ADD CHILD SUPPORT.
- Plan fails to add PennyMac Loan and Sched A fails to add property S. Warren St POC filed with arrears $254.49. Per Property Settlement agreement ex-spouse to refinance this property once interest rates drop. So Debtor is not responsible for this debt, however the mortgage and Deed, which has not been provided is still in her name. THIS CLAIM STILL NEEDS TO BE RESOLVED.
- There is non-exempt equity in the investment property $1,194.

4/29/26 (DS): Debtor atty requested adj to allow 341 sched 4/30/26 to be heard and resolve all issues, request denied, Debtor has not made Trustee payment.

Prop Plan $217.68 x 60 begin 4
Email InquiryMatter ResolvedRequest
Adjournment
1268/19/2026 10:00 am26-12765 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $20,238.00
6/30 workup
-$40,6112 in arrears including July

As of 6/11/26 (DS): 1. Trustee obj to the following:
- Disposable income verifies $25,689 with tax refund. Plan propose 100%.
- There is estimated non-exempt equity in the residence $237,907, Belleville $204,753, Long Branch $234,443, vehicles $9,184 and business $405,200. Plan propose 100%

2. Beachfront North (ANTHONY CHIRLES, JR) obj that property address is incorrect, plan list Lernard Rd, but claim filed with Langtry Terrace property, OTBS plan propose to pay secured portion of $30,621.64 the remainder portion $32,211.31 to be paid 100% to unsecured per plan. Must resolve obj. otbs

3. PHH Mtg-Joralemon St (CORY WOERNER) obj that Debtor is a serial filer and this is Debtor's 4th filing, case filed to delay foreclosure and that Debtor was approved a loan mod last but Debtor defaulted immediately after. Must resolve obj.

4. Selene Finance-Lernard Rd (CORY WOERNER) obj that Debtor is serial filer and filed to delay foreclosure. Sched J omits all mortgage payments, plan propose conduit payments, creditor does not consent conduit payments unless they are receiving pre-conf adeq protection. Must resolve obj.

5. Bar date has passed, late claim filed by The Grande at Battleground Community for $24,905.19--are we paying?

Prop Plan $20,442 x 60 begin 4/1/26; 100% (CONDUIT MTG PAYMENTS TO BE PAID TO THE TRUSTEE FOR FAY AND SELENE FINC)

----------------------
RESOLVED
- Must file Pre-confirmation certification.

- Must resolve the estimated tax claims of the IRS and the State of NJ, 2024/2025 not filed.
- Must resolve the creditors objections.
Email InquiryMatter ResolvedRequest
Adjournment
1278/19/2026 10:00 am26-12841 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 4 required payments   Arrears: $0
6/30 workup EDC

* OBJ BY CAPITAL ONE AUTO-PLAN DOES NOT INCLUDE THEIR $5669.39 CLAIM COTBS TO PAY CLAIM OUTSIDE OF PLAN EDC

* OBJ BY LOAN DEPOT(MCDONOUGH)-ARREARS ARE HIGHER AT $71,179.54

* trustee objection:
-- The debtor has failed to file the required Pre-Confirmation Certification .
-- The debtor has failed to supply the Trustee with the following document(s):
-- Need March statement for the Cash App stock account.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$780/month for utilities
$1,200/month for non filing spouse child support payments (need order)
Need proof of 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):
-- Verified income leaves monthly disposable income of $3,942.
-- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,246 when
determining disposable income.
- The current Plan does not specify treatment of Chase's secured arrears claim. under the Plan.
-- - There is $96,996 non-exempt equity in the residence. (100% PLAN)
-- There is $6,299 non-exempt equity in the bank accounts.
-- 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 a statement for the debtor's 401k loan.

$2170 X 60; 100%
Email InquiryMatter ResolvedRequest
Adjournment
1328/19/2026 10:00 am26-13090 / MBKKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
adjournment request denied, need consent of objecting creditor
issues as of 6/12/2026 (JMA)

1) SN Servicing Corporation (Friedman Vartolo) objection to confirmation - NEED TO RESOLVE
- Upon review of internal records, the objecting creditor is due pre-petition arrears of approximately $67,394.18.
- Debtor's proposed plan does not provide for the full monthly mortgage payment due to secured creditor, currently in the amount of $1,650.88/month.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): Need a statement for Christopher's pension loan.
- A Modified Plan that increases trustee payment by $785 in month 51 when pension loan is paid off.
- 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 $32,752 in non-exempt equity in the residence.
- There is $22,269 in non-exempt equity in the personal property.
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Certification re use of funds pension loan $50,000.

proposed plan $1,262x60 100%
paid in $2,524
arrears $1.262
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-13253 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 4 required payments   Arrears: $2,857.00
AS OF 6/25/26 (SF)

1. Must request an adjournment
1. 341 not held - Rescheduled to 7/23/26
2. Payments: 2/3 Arrears: $1428.30



Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-13425 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1438/19/2026 10:00 am26-13488 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 6/11/2026 (JMA)

1) NJ Division of Taxation (claim 21-1P) estimated for 2025 taxes. Need amended claim.
2) NJ Division of Taxation (claim 21-1U) estimated for 2020 - 2021 taxes. Need amended claim.
3) Rivers Edge at Delanco (Thomas J. Orr) objection to confirmation - PER STATUS CHANGE FORM OBJECTION WITHDRAWN, DEBTOR WILL PAY THE PROOF OF CLAIM AS FILED
- The plan lists an incorrect amount due. The plan does not include legal fees and interest over the life of the plan
4) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation.
- The Debtor has not filed the required Pre-Confirmation Certification.
- Need a copy of homeowner's insurance renewal declaration. Document provided expired 5/14/2026. RESOLVED, PROVIDED RENEWAL GOOD THROUGH 5/14/2027
- Need to provide a copy of the last filed tax return - 2025.

proposed plan $750x36 base plan
paid in $750
arrears $1,500
last claim 21-1U
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-13562 / MBKJoseph Albanese, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $146.00
issues as of 6/11/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Disposable income verifies -$396, spouse social security verified $744, not $1,146 and tax refund is less.
- The debtor has failed to file the required Pre-Confirmation Certification. - RESOLVED, FILED
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts on D(5).
- 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 $7,071 and 2006 Mercedes $115.

proposed plan $146x40 base plan
paid in $292
arrears $146
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
1668/19/2026 10:00 am26-14165 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,000.00
As of 6/11/26 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$1,577.
- Must provide 2 months updated pay stubs for spouse new job bank statements for TD Bank accts from 4/1/26-4/15/26.
- Must file amended Schedule I and J to include spouse income and correct transportation cost as spouse no longer travels to job.
- Must file Pre-confirmation certification.
- Must resolve Rocket Mtg obj.

2. Rocket Mtg (LAURA EGERMAN) to arrears more, POC filed arrears $78,550.42 and loan mod not offered to Debtor. Must resolve obj.

3. Claims filed with arrears Trystone $1,805.36 and Global Lending $133.52. Trustee ok to pay?

Prop Plan $500 x 36 begin 5/1/26; Base and Loan Mod on Lancaster Drive by 11/30/26
Email InquiryMatter ResolvedRequest
Adjournment
1408/19/2026 10:00 am26-14456 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
UPDATED 7/6/2026 (JMA) - NEED TO ADJOURN CONFIRMATION HEARING TO ALLOW 341 TO BE HELD
issues as of 6/25/2026 (JMA)

1) 341 not held, rescheduled for 7/16/2026
2) Trustee payments received to date, $1,260
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-14634 / MBKScott D. Sherman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $980.00
As of 7/2/26 (DS): Debtor atty requested adj to resolve all issues.


As of 6/29/26 (DS): 1. Trustee obj to the following:
- Must provide 2025 Tax return, Statements from Crypto Wallet prior to filing date, certification regarding inheritance from Father and $35,000 received in March 2026 from sale of the excavator and valuation of the LLC.
- Plan fails to pay arrears owed to Santander $476.67 and Ally Capital $1,038.98, specify treatment to Pennsylvania Dept of Revenue $2,766.78 and provide Trustee standard order of distribution.
- Secured claim filed by Utilities Employees Credit Union, owed $31,925.60, no arrears for 2021 Kubota (ATTORNEY FILED AMENDED STATEMENT OF FINANCIAL AFFAIRS TO STATE THAT THIS WAS SOLD TO MCGREW EQUIPMENT CO. ON 2/4/25 UNRELATED 3RD PARTY, THIS CLAIM STILL NEEDS TO BE RESOLVED. ATTY MUST MOVE AGAINST CLAIM).
- Excessive expenses on Sched J: $860 Cable/internet/phone, $2,000 Car insurance, $4,950 Mortgage payment (per POC verifies $3,931), $890 Home maintenance and $972 Car payment. Must provide proof of expenses 10 days prior to confirmation.
- Verified disposable income would be $3,962, after deducting the verified amount of expenses, still pending proof of remainder.
- There is non-exempt equity in the bank accts $27,075 and Crypto Wallet, pending statement from Crypto Wallet.
- Must resolve IRS estimated tax claim, 2025 not filed.
- Must resolve the creditors objections.
- Must file Pre-confirmation certification.

2. PennyMac (DOUGLAS MCDONOUGH) obj plan fails to provide for arrears owed, POC filed with arrears $5,043.35. Must resolve obj.

3. Utilities Employees Credit Union (GARY SEITZ) obj to plan silent to treatment of 2021 Kubota, POC filed secured, not in plan. Must resolve obj.

Prop Plan $490 x 60 begin 5/1/26; Base
Note: Debtor atty provided Debtor's cert stating 2005 Ford not running and is off road and 2014 Harley is being surrendered and off the road and has not been driven in over a year. Auto insurance provided for
Email InquiryMatter ResolvedRequest
Adjournment
1448/19/2026 10:00 am26-14714 / MBKFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $2,386.00
issues as of 7/6/2026 (JMA)

1) Wells Fargo Bank (RASC) objection to confirmation - NEED TO RESOLVE
- Secured Creditor anticipates its proof of claim will evidence pre-petition arrears of $6,552.27, whereas the Plan proposes only $3,133 in arrears. OK TO PAY

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file a feasible plan that proposes a tier plan when Debtor's PFRS loan $1,739 ends in month 17. OK TO INCREASE BY ATT
- The debtor has failed to supply the Trustee with the following document(s): Balance of car statements prior to filing date and proof of spouse debt expenses. MILEAGE PLUS BALANCE $7,950.04; CARD ENDING #2227 BALANCE AS OF 4/24/2026 $8,915.04; ACCT ENDING #7419 BALANCE AS OF 4/24/2026 $12,240.96; ACCT ENDING #8234 BALANCE AS OF 4/21/2026 $5,924.83; ACCT #1190 BALANCE AS OF 4/1/2026 $3,787.43. Also, must provide spouse Loan 1 and Loan 2 balance statements prior to filing date deductions on pay stubs.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): 22c has disposable income on Line 45 $383.06 then pending proof of expenses for car balances and expenses there may be additional disposable income.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3). Plan fails to provide the non-exempt equity in the residence. THERE IS $47,126.50 NON-EXEMPT EQUITY IN THE HOUSE. OK TO PAY

- Must resolve creditor objection.

proposed plan $1193x60 base plan
paid in $1,193
arrears $2,386
last claim 15-1

RESOLVED ISSUES:

- Schedule J excessive expenses: Auto insurance $591, car payments $500, RESOLVED, PROVIDED STATEMENT DATED 4/6/2026; and $600 RESOLVED, PROVIDED STATEMENT PAYMENT $649.30 and spouse cred
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-14728 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $500.00
As of 7/6/26 (DS): Debtor atty requested adj to pass bar date, to resolve Trustee obj and file motion to approve loan mod. Need to be adjourned to August, 7/29/26 full.

As of 6/29/26 (DS): 1. Trustee obj to the following:
- Excessive expenses for 2 car payments $422 and $468 (CAR PAYMENT VERIFIES $469 PER POC) - ONLY 1 CAR ON SCHED B, 1 CREDITOR ON SCHED D FOR 2018 HYUNDAI AND NO CREDITOR ON SCHED G, SO WHY ARE THERE 2 CAR PAYMENTS? and auto insurance $766 - VERIFIES $260 FOR 2018 HYUNDAI, THERE ARE 2 ADDITIONAL CARS/2 ADDITIONAL ADULT DRIVERS LISTED ON THE INSURANCE, ONE BEING NIECE CONTRIBUTING.
- Tax refund $3,340 not listed on Sched I when determining disposable income.
- There is estimated non-exempt equity in the residence $83,959 pending all secured claims filed by mortgages. The credit report provided only showed 1 mortgage, Sched D has 2 US Dept of HUD loans, they are not listed on credit report because they are part of the mortgage. RECOMMEND WAITING PASS BAR DATE 7/7/26.

Prop Plan $500 x 60 begin 5/1/26; 100% and Loan Mod on High Street by 7/31/26
Note: Disposable income no issue, since it is contribution from family. Life insurance statement provided has $1,558, Sched B has $1,490, still exempt since allowed more. Bank statements from all accts provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-14948 / MBKEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $150.00
As of 7/6/26 (DS): Debtor atty requested adj 341 sched 7/16/26, payment $150 made for June and auto insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15028 / MBKDarin D. Pinto, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15064 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 6/29/26 (DS): Debtor atty requested adj to pass bar date

Note: Homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15077 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 6/25/2026 (at):

1. Objection filed by Planet Home Lending (Robertson Anschutz) - failure to cure full arrears of $93,333 (Per objection, no claim filed yet). Plan proposes to pay $60,000. (UNRESOLVED)

2. Trustee's objection:
- 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):
- Debtor's income verifies much higher at $2,366.
- 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 may be estimated non-exempt in the residence pending all secured and tax claims filed and in bank account pending bank statement, Schedule B has $0. (NO EQUITY IN BANK ACCOUNT - AWAITING IRS CLAIM TO DETERMINE IF THERE IS EQUITY IN THE RESIDENCE)

RESOLVED ISSUES:
- The current Plan does not specify treatment of State of NJ has $0 claim filed for $158.87 under the Plan. (PAY)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for the spouse from unemployment, the document provided in Spanish states that spouse unemployment began 3/17/25 and ended 3/22/26. (RECEIVED PAY STUBS FOR SPOUSE FROM 5/1 TO 5/29)
- A copy of the homeowner's insurance renewal declaration - with personal liability coverage. (RECEIVED)
- Wells Fargo Bank statement from 4/8/26-5/5/26. (RECEIVED)
- Must resolve creditor objection (LISTED ABOVE)

Plan proposes: $1,485 x 60 beginning 6/1/2026, loan modification by October, 2026, base
Payments: 1/1
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15248 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1608/19/2026 10:00 am26-15457 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 7/6/26 (DS): Debtor atty requested adj to pass bar date

As of 7/6/26 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $54.
- Debtor has failed to file a feasible plan, the proposed payment will not cure the mortgage arrears and pay attorney's fees.

2. Bank of America (WILLIAM M.E. POWERS) obj that arrears owed are more, POC filed arrears $5,388.98 and that income insufficient to fund payments. Must resolve obj.

3. State of NJ filed estimated tax claim, 2025 not filed. Must resolve claim.

Prop Plan $125 x 60 begin 6/1/26; Base
Note: Updated auto insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15457 / MBKThomas G. Egner, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15482 / MBKTheodore Sliwinski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 6/26/2026 (at):

RECOMMEND: $3,000 PAID TO DATE, $3,114 x 59 BEGINNING 7/1/2026, 100% PLAN
- Preserve non exempt equity of $190,496 in real estate.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - for Pennsylvania property (RECEIVED)
- A Modified Plan that clearly states 100% plan OR $166,25 (NOT FILED - NEEDS TO BE 100% BASED ON N/E EQUITY)
- The debtor has undertaken an improper use of exemption. Specifically: -Schedule C exempts $31,575 for Florida property and $32,000 for Pennsylvania property. Debtor has residence in
New Jersey, rental.
- Form 122c Line 45 monthly disposable income $13,682 which requires minimum $820,920 to GUCs. (100% PLAN)
- There is approximately $180,000 non-exempt equity in real estate. (THERE IS $190,496 IN NON EXEMPT EQUITY IN THE REAL ESTATE)

Plan proposes: $3,000 x 60 beginning 6/1/2026, 100% and/or $166,250? to unsecured creditors
Payments: 1/1
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15609 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-15680 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $700.00
issues as of 6/26/2026 (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): A Modified Plan that pays 100% to unsecured creditors due to non-exempt equity.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): - There is $22,360 in non-exempt equity in the vehicles.
- There is $196,908 in non-exempt equity in the residence.
- Student loans will be paid outside of the plan.
- certification form debtor that she no longer has the Acura and what happened to it.
2) IRS priority claim estimated for 2025 taxes

proposed plan $700x60 base plan
paid in $700
last claim 3-1
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16190 / MBKAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16207 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16218 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16243 / MBKAdrian J. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $4,900.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16346 / MBKJuan C. Velasco, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $379.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16369 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16373 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16383 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,353.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16544 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,711.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16574 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $710.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16630 / MBKScott D. Sherman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16641 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16655 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16785 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16918 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-16980 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $350.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-17099 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-17120 / MBKDarin D. Pinto, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $924.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 10:00 am26-17700 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 11:00 am26-17041 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $7,123.00
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 2:00 pm25-13641 / MBKThomas G. Egner, Esq.Motion CompensationWithdrawn
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 2:00 pm25-13641 / MBKThomas G. Egner, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/19/2026 2:00 pm26-15036 / MBKRahaf Alrehaili, Esq.Motion Compensation3rd Party Matter
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes