ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 9/9/2026
Last Updated: 9/21/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryRequest
Adjournment
9/9/2026 9:00 am17-23396 / MBKDaniel E. Straffi, Esq.Motion to ReopenHold for JudgeAR NOTE SEE DOCS
DEBTOR 118 AND 119
DOJ RESPONSE 122

IRS obj (Kunofsky)<>DEBTORS MTN TO REOPEN TO ADJUDICATE 4/27/2018 ORDER RE IRS DOC 51
Email InquiryRequest
Adjournment
9/9/2026 9:00 am19-26125 / MBKMarc C. Capone, Esq.Motion Reopen Ch. 13 Case (fee)GrantedMTN RE-OPEN FILE APPL to discharge judgment/MANSQUAN BANK
Email InquiryRequest
Adjournment
9/9/2026 9:00 am21-12802 / MBKPeter E. Zimnis, Esq.Motion Avoid LienOrder to be SubmittedMTN TO AVOID LIEN/NJ NAT'L BANK
Email InquiryRequest
Adjournment
9/9/2026 9:00 am21-13157 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT; AMD ORDER/CRED ATTY FEE OUTSIDE - CASE PIF/PENDING CLOSING AUDIT<>

Debtor obj<>FAILED TO PAY PLAN BALANCE; ORDER DOC #78 ADDED $2540 CRED ATTY FEES IN MO 60 WITH A CONFIRMED PLAN PAYMENT OF $100/MO

--LEGG TO REACH OUT TO CREDITOR TO SEE IF IT CAN BE PAID OUTSIDE EDC
Email InquiryRequest
Adjournment
9/9/2026 9:00 am21-15615 / MBKJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTRUSTEE MTN DEEMING CONDUIT MTG PAYMENTS TO LAKEVIEW LOAN CURRENT
Email InquiryRequest
Adjournment
9/9/2026 9:00 am21-19003 / MBKEdward Hanratty, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedLOSS MIT/NEWREZ DBA SHELLPOINT
Email InquiryRequest
Adjournment
9/9/2026 9:00 am21-19035 / MBKRobert Cameron Legg, Esq.Motion requesting for exemption from filing certification in support of dischargeGrantedMTN FOR EXEMPTION FROM DISCHARGE
Email InquiryRequest
Adjournment
9/9/2026 9:00 am22-12224 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawn(AMT: DUP FILING/ DEF CERT HEARING 8/19)<>

ARREARS
Email InquiryRequest
Adjournment
9/9/2026 9:00 am22-17235 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)GrantedRENAISSANCE GLEN (HABER SILVER RUSSONIELLO)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am22-17993 / MBKDavid G. Beslow, Esq.Order Shorten TimeGrantedmot to refi
Email InquiryRequest
Adjournment
9/9/2026 9:00 am23-11162 / MBKRobert Cameron Legg, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be Submitted
Midfirst Bank obj (KML); Debtor response<>MTN TO DETERMINE APPLICABLE FEES
Email InquiryRequest
Adjournment
9/9/2026 9:00 am23-18132 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> WELLS FARGO (RAS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am23-18409 / MBKAndrew M. Carroll, Esq.Motion Relief from Stay (Fee)Order to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>PENNYMAC LOAN (POWERS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am23-18744 / MBKJames J. Cerbone, Esq.Motion Relief from Stay (Fee)GrantedWILMINGTON SAVINGS (HILL WALLACK)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am23-20748 / MBKJohn Zimnis, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj, current<>RUSHMORE LOAN (GROSS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am23-21870 / MBKAndrew Thomas Archer, Esq.Creditor Certification of DefaultContinued
9/30/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST

Debtor obj<> DEUTSCHE ( Brock & Scott)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am24-12909 / MBKRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/30/2026 9:00 am
9/1 AMT: PER ATTY, OK TO PAY AUG CONDUIT; DEBTOR PAYING $500 PLAN BAL (tfs)<>

8/19 AMT: FOLLOW UP EMAIL TO ATTY<>
8/6 amt: pi proceeds posted; email to atty to advise if Trustee will pay conduit thru July (close case & refund debtor) or Aug (audit & send payoff for small remaining bal of appx $500)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
9/9/2026 9:00 am24-21222 / MBKJoseph Casello, Esq.Motion Relief from Stay (Fee)Continued
10/21/2026 9:00 am
FREEDOM MTG (BROCK)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-10191 / MBKJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
9/30/2026 9:00 am
ACAR LEASING (EISENBERG)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-10763 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultDismissed(amt: need pymt to post in Aug, then will recap; email to atty)<>

Debtor obj, can resume and requests recap<> ARREARS
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-11070 / MBKLee M. Perlman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, proposed 6 mo cure<>PENNYMAC LOAN (POWERS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-14602 / MBKJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
10/21/2026 9:00 am
AMT: MP 9/9 - **PLAN DENIED**<>

FAILED TO COMPLY WITH PROVISION OF CONF TO TURN OVER LUMP SUM BY 5/31/26 TO PAY PLAN IN FULL
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-15400 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayContinued
9/30/2026 9:00 am
Debtor obj, paying <>FINANCE OF AMERICA REVERSE (McCABE)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-16093 / MBKMark Kriegel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyGrantedDebtor obj, ***WITHDRAWN***<>ARREARS
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-16093 / MBKMark Kriegel, Esq.Creditor Certification of DefaultGrantedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj ** WITHDRAWN**<> VALON MBT (McCalla)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-16805 / MBKEdward Nathan Vaisman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedJPMORGAN CHASE (RAS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-16976 / MBKJeffrey E. Jenkins, Esq.Motion Relief from Co-Debtor StayGrantedWILMINGTON SAVINGS (HILL WALLACK)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-17361 / MBKJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyMoot - DismissedSV/AURORA; ARREARS
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-17631 / MBKJoseph Casello, Esq.Motion Relief from Co-Debtor StayContinued
10/21/2026 9:00 am
Debtor obj, arrears pif<>WELLS FARGO BANK (LOGS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-18167 / MBKMitchell Lee Chambers, Jr., Esq.Motion Relief from Co-Debtor StayContinued
9/30/2026 9:00 am
Debtor obj, selling home<>SELENE FINC (RAS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-19183 / MBKJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayContinued
9/30/2026 9:00 am
Debtor obj, made pymt<>US BANK TRUST (PADGETT LAW)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-19954 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor obj<>ARREARS (amt: needs to address per plan claim if tr mtn is resolved)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-20363 / MBKNicholas Fitzgerald, Esq.Creditor Certification of DefaulteOrder to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> RUSHMORE (Pluese Becker)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-20372 / MBKPeter E. Zimnis, Esq.Motion File Claim After Claims Bar DateGrantedMTN ALLOW LATE CLM ABC BAIL BONDS (SALDUTTI)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-20544 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/30/2026 9:00 am
AMT: MP 9/30 ** NEED TO SUBMIT ADJ REQUEST FOR TR MTN OR APPEAR **<>

Debtor obj<>PLAN DENIED ON 2/11/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-21308 / MBKJenee K. Ciccarelli, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/30/2026 9:00 am
Debtor obj, pending closing 8/31<>

FAILED TO SELL BY 6/30/26; CREDITOR ORDER DOC #59 PROVIDED FOR SV ON 7/1/26
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-21422 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/30/2026 9:00 am
AMT; LOSS MIT EXT TO 8/15<>

Debtor obj<>FAILED TO LM BY 4/1/26
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-21727 / MBKPRO SESTATUS CONFERENCEHold for JudgeMTN TO VACATE DISMISSAL/FOR STAY PENDING APPEAL

other than mortgage and amended plan remaining conf issues include:

** $19,000 in filed guc claims=amended schedules show non exempt in financial accounts far exceeding this amount. Needs 100%

*trustee supplemental objection: There appears to be over $800,000 in equity per the debtors amended schedules B & C in investments, bank accounts and business ownership interest. The debtor's assertion that the money in the Robinhood account is not an asset per his schedule B explanation does not prove that the money is not property of the estate.

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

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

-PROPERTY OWNED BY LLC ON RAILROAD AVE HAS EQUITY OF $113,000
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-21727 / MBKPRO SENotice of Hearing (Upload)Continued
9/11/2026 1:00 pm
COURT NOTICE ON MTN TO VACATE DISMISSAL DOC #120, #117
--TRUSTEE OBJECTION
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-21727 / MBKPRO SENotice of Hearing (Upload)Continued
9/11/2026 1:00 pm
MTN TO VACATE DISMISSAL DOC #121
trustee objection:
unresolved confirmaton issues, no new evidence
MCCALA OBJ
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-21727 / MBKPRO SENotice of Hearing (Upload)Continued
9/11/2026 1:00 pm
MTN TO STAY PENDING APPEAL, DOC #122
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22019 / MBKJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Continued
9/30/2026 9:00 am
Debtor obj, been attempting to make pymt with creditor<>SANTANDER BANK (GROSS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22058 / MBKThomas G. Egner, Esq.Creditor Certification of DefaultContinued
10/21/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (Gross Polowy)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22425 / MBKBruce Radowitz, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedSV/US BANK; ARREARS
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22486 / MBKWarren Brumel, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedDebtor obj<>WESTLAKE SERVICES (McCALLA)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion ReconsiderContinued
9/23/2026 9:00 am
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22729 / MBKJames J. Cerbone, Esq.Motion Relief from Stay (Fee)GrantedCMG MTG INC (McCALLA)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22764 / MBKMitchell L. Chambers, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnDebtor obJ<>FAILED TO SELL BY 6/30/26
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22802 / MBKRobert Cameron Legg, Esq.Motion File Claim After Claims Bar DateGrantedMTN ALLOW LATE POC/US BANK NAT'L
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22944 / MBKJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)Continued
9/30/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>ROCKET MTG (STERN & EISENBERG)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-22970 / MBKLee M. Perlman, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> AMERICAN HERITAGE (Weltman, Weinberg)
car loan
Email InquiryRequest
Adjournment
9/9/2026 9:00 am25-23472 / MBKKevin C. Fayette, Esq.Motion Relief from Stay (Fee)GrantedSTELLANTIS FINC (EISENBERG)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-10134 / MBKJonas Singer, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>SELENE FINC (RAS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-10134 / MBKJonas Singer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/30/2026 9:00 am
Debtor response<>ARREARS

Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-10357 / MBKAndre L. Kydala, Esq.Motion File Claim After Claims Bar DateContinued
9/30/2026 9:00 am
MTN ALLOW LATE CLM OF TOWN OF CLINTON
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-11413 / MBKSteven J. Abelson, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedDebtor obj<>CITIGROUP MTG (KML)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-11629 / MBKRobert Manchel, Esq.Motion Relief from Stay (Fee)Consent Order to be SubmittedDebtor obj<>DEUTSCHE BANK (LOGS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-11697 / MBKJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>CREDIT ACCEPTANCE CORP (EISENBERG)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-11713 / MBKJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayGrantedDEUTSCHE BANK (PADGETT)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-11716 / MBKMitchell Lee Chambers, Jr., Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Order Previously SubmittedUS Bank limited obj (Friedman Vartolo)<>PROPERTY #1314
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-11716 / MBKMitchell Lee Chambers, Jr., Esq.Creditor Certification of DefaultContinued
9/30/2026 9:00 am
Debtor obj<> US BANK (Friedman Vartolo)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-12845 / MBKLee M. Perlman, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, will pay<>PENNYMAC LOAN
(POWERS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-12898 / MBKLaurence R. Sheller, Esq.Motion Extend TimeGrantedBRIDGE ORDER IN EFFECT

Everbank obj (Pluese Becker)<>MTN EXT STAY

trustee obj
-This is the debtors 4th filing within the last 4 years and she has failed to show a change in circumstances that show a likelihood of success.
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-12898 / MBKLaurence R. Sheller, Esq.Motion Prospective ReliefOrder to be Submitted
AR NOTE SAME AS CONF NEEDS TO SHOW FIN ABILITY TO CURE
Debtor obj<>MTG, EVERBANK (PLUESE)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-13142 / MBKRobert C. Nisenson, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedDebtor obj<>FAY SERVICING (FRIEDMAN)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-13317 / MBKLee M. Perlman, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedMTN TO REDUCE RESURGENT CAP SERVICES
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-13705 / MBKRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Continued
9/11/2026 1:00 pm
AR NOTES PER 7-29 HEARIMG DEBTOR AGREED TO BE CURRET POST PET LENDER BY 9-9 - AND DEBTOR TO BE EMPLOYED , NOT CURRENT ABD SUBMITTED EMPLOYMENT LETTER

Debtor obj<>SELENE FINC (KNUCKLES)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-13820 / MBKDarin D. Pinto, Esq.Motion Relief from Stay (Fee)GrantedBANK OF NEW YORK MELLON (LOGS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-13844 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
10/21/2026 9:00 am
Citizens response (Padgett); debtor response<>MTN FIX CLM 15 CITIZENS BANK

Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-13844 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
10/21/2026 9:00 am
MTN EXPUNGE CLM 15 but the claim is claim 2 not 15 for Five Star Bank. Needs new motion EDC
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-14005 / MBKStacey L. Mullen, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj, applying for LM<>SUN WEST MTG (GREENSPOON)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-14558 / MBKMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
10/21/2026 9:00 am
Debtor obj, making pymt<>ONITY MTG (LOGS)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-14729 / MBKJustin M. Gillman, Esq.Motion CompensationOn the PapersDebtor obj; atty response<>FEE APP
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-14995 / MBKWalter D. Nealy, Esq.Motion for Relief from StayGrantedDebtor obj **WITHDRAWN***<>576-580 SCOTLAND RD, LLC (SCHRARTABERG)
landlord motion
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-15028 / MBKDarin D. Pinto, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedLOSS MIT/SELENE FINC
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-15059 / MBKRussell L. Low, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedLOSS MIT/SN SERVICING
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-15744 / MBKRussell L. Low, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedLOSS MIT/FAY SERVICING
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-15744 / MBKRussell L. Low, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedLOSS MIT/STATEBRIDGE COMPANY
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-16641 / MBKJohn Zimnis, Esq.Motion Relief from Stay (Fee)GrantedCEDARPEAK MGMT (GORSKI)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-16979 / MBKPRO SEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
9/30/2026 9:00 am
trustee obj:-no trustee payments, no 341 docs; Debtor response<> MTN TO VACATE DISMISSAL

**DEBTOR RESPONSE VIA FAX SAYS HAS ALL MONEY AND WILL BE 100% PLAN BECAUSE HOUSE IS GOING TO BE SOLD VIA SHORT SALE

may still be missing plan and schedules EDC
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-17314 / MBKAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)GrantedDebtor obj<>SELENE FINC (KNUCKLES & MANFRO)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-17715 / MBKJohn Zimnis, Esq.Motion Relief from Stay (Fee)GrantedCEDARPEAK MGNT (GORSKI & KNOWLTON)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-17737 / MBKPRO SEMotion Motion (Generic) - Only use if no other event is applicableContinued
9/11/2026 1:00 pm
MTN STRIKE APPEARANCE OF ALDRIDGE PITE, LLP (DOC #12

service?
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-18573 / MBKGeoffrey P. Neumann, Esq.Motion Convert Case to 11Continued
9/11/2026 1:00 pm
AR NOTE
SEE DOCS 10 /11, 18 AND 19 Christian Giamanco obj ( Gorski)' Debtor reply<>DEBTOT MTN TO CONVERT TO CH 11

--creditor obj not feasible
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-18770 / MBKCarol L. Knowlton, Esq.Motion Relief from Stay (Fee)WithdrawnDebtor obj, made pymt<>LANDLORD PRINCETON ASCEND DEVELOPMENT (MATTLEMAN, WEINROTH)
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-19105 / MBKAndrew G. Greenberg, Esq.Order Shorten TimeContinued
9/30/2026 9:00 am
MTN TO EXTEND STAY
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-19437 / MBKSteven D. Pertuz, Esq.Order Shorten TimeContinued
9/30/2026 9:00 am
MTN TO EXTEND STAY
Email InquiryRequest
Adjournment
9/9/2026 9:00 am26-19679 / MBKRobert Cameron Legg, Esq.Order Shorten TimeGrantedMTN TO EXTEND STAY
Email InquiryRequest
Adjournment
9/9/2026 10:00 am22-20145 / MBKWilliam S. Wolfson, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 42 of 45 required payments   Arrears: $0
AS Of 8/31/26(mk):

**CAN REC CONFIRM AT $109,856.62 PTD No More Payments Due



1. Plan is below median and all guc debt
2. Amended i & J negative income
3.essentially Proposing that PTD and no more payments

MP proposes:$2588 X 43; 0 x 18 and MIN $10,781 - this min has already been paid to guc and so has total base
Plan has run44 and 16 remain
job loss


Email InquiryRequest
Adjournment
9/9/2026 10:00 am24-19881 / MBKJacqueline R. Rocci, Esq.Confirmation Hearing on Modified PlanContinued
9/11/2026 1:00 pm
Debtor has made 23 of 23 required payments   Arrears: $0
updated 9/10 EDC

AR CASE IS 23 MONTHS OLD , 9 PLANS ( RECENTLY FILED PLAN ON 9-30)
PRIOR PLAN SALE OF LLC PTY , PLAN 101 NOW UNAFFECTED BUT STILL 109E ISSUE , CHP 11 FILING FOR LLC AS SET FOTH IN NEW PLAN NOT FILED , OBJECTIONS TO PLAN NOT RESOLVED

***UPDATED REMAINING ISSUES BELOW:
--New MP wants to sell commercial property at Amboy Ave in Edison and pay claims of Northfield, Cherokee and DEP outside through a Chapter 11 case which has not been filed yet. Debtor has been trying to sell this property with environmental issues for 23 months.
--We will need orders agreeing to be paid through the Chapter 11 for those creditors Northfield, Cherokee and DEP since claims were filed in this case
--The plan does not mention the LB-Honey Badger $78,148.23 POC. We would also need a consent order for this creditor since a secured claim was filed.
--Plan calls for a $10,000 payment to Cherokee and $10,000 to Northfield as good faith pending sale. Does not specify if inside by trustee or outside of the plan directly. This should also be in the consent order.
--The 109e issue remains. The possibility that the liability may be eventually extinguished through a sale does not change the fact that the debtor wants to confirm a case that was over the 109e when filed and will still be over the 109e when confirmed.


*Unresolved objections by Northfield and Cherokee

Northfield Bank (Maselli Mills) objection to confirmation - need to resolve - CREDITOR FILED UNSECURED CLAIM #4 IN THE AMOUNT OF $802,365.36
-Northfield Bank holds judgment in the amount of $782,210.05 -- with claim over 109e

---------------------
RESOLVED

Cherokee Equities/Financial (Goldenberg Mackler) objection to confirmation -
- this filing is based on sale of a contaminated commercial property owned by a non-debtor corporate entity solely controlled by the debtor.
- Creditor objects to confirmation of modified plan because it seeks to modify the claim which is secured by a mortgage on the debtor's hom
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-14599 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 28 of 16 required payments   Arrears: $0
9/1 workup EDC

MP removes refi and pays arrears through plan

**confirm at: $3526 paid then $947 x 44 beg 10/1/26 100%--to PRESERVE NE EQUITY OF $228,000

Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-14602 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 2 of 16 required payments   Arrears: $16,000.00
9/2/26 (sf) Per atty, ok to mark plan denied.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-19209 / MBKLee M. Perlman, Esq.Order Vacate Dismissal of CaseDismissedDebtor has made 13 of 12 required payments   Arrears: $0
9/1 workup EDC
*$2164 arrears

*Plan is not feasible. Current payment is $980 and plan will now need $2473 with the large NJ filed claim. Disposable income is $1000

Recommend dismissal EDC
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-20196 / MBKRobert J. Pompliano, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 11 of 12 required payments   Arrears: $200.00
9/1 workup EDC

**CONFIRM AT $200 X 36 BEG 10/1/25 PRO RATA

Response Certification Uploaded 3/3/26 - Post 341 Misc Docs (dm)
Pension income uploaded 3/3/26 (dm)


1) Trustee objection to confirmation - NEED TO RESOLVE
- Debtor has insufficient income
- Bank statements ending #263 shows $5,410 deposits from a 3rd party system - need an explanation for this income. In the same month debtor sent out $1,762 out via 3rd party system - need an explanation for the the 3rd party transfers in an out of the account #263.

proposed plan $200x36 base
paid in $600
arrears $200
last claim 7-1

---------------------
RESOLVED ISSUES:

- The debtor has not filed the required Pre-Confirmation Certification with Court RESOLVED, FILED
- Need to provide DSO information RESOLVED, PROVIDED
- Need to provide statements for September and August 2025 for acct #263 -RESOLVED, PROVIDED STATEMENTS.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-21275 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 10 of 11 required payments   Arrears: $0
As of 9/9/26(mk)-terms sent to atty


**CAN REC CONFIRM AT $28,000PTD THEN $3,000 x 36 Begin 11/1/26 100%.
Preserve equity Threshold of 92,149 in real property.
Sale of real property by 11/1/26. No pay pending sale
Mortgages held by NewRez/Shellpoint and USAA Federal Savings Bank will be Paid at sale
Claims filed by the IRS and St. Of NJ Div. Of Tax to be paid as follows. The secured parts of the claims to be at sale and the priority portions to be paid through the plan.
All non exempt proceeds from sale of real property need to fund plan at 100% be paid to Trustee.
Must file pre confirmation certification w/in 7 days of confirmation**.

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

11/1 sale date pay shellpoint from sale 100%

As of 8/27/26(mk)

Work up on plan #38

1. Trustee Objection:
Claims have been filed by IRS $11,647.63 and St of NJ $529.01 AND ARE NOT LISTED IN THE PLAN

Plan has Shellpoint as unaffected and to be paid in full- this will be from the sale.

Plan at parag ( has a refinance to pay off mortgages BUT part 1c of plan says a sale of the property and a realtor has been retained.

All non exempt proceeds from sale of real property need to fund plan at 100% be paid to Trustee.


Plan:$1000 X 1; $3000 X 36; SALE 1/2027 (6 BODINE AV); 100% (LUMP SUM $400,000)
9/10 payments
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-21894 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 8 of 10 required payments   Arrears: $1,004.00
9/9/26 (sf) - There is an issue with One Main Financial. The plan proposes to cram but they filed an unsecured claim for 2013 Toyota. The plan proposes to pay $1852.50 as secured. (Must resolve)----(ok to strike/remove 2013 toyota secured amount)


tfs auto pay --can confirm and capitalize payments

8/31 workup EDC NFA
-same as last time several times
2 payments arrears

1. Objection filed by Pennsylvania State Employees Credit Union (Weltman Weinberg) - objecting to the cram value of $9,000 in the plan. Creditor values the vehicle at $19,175. (withdrawn)
2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- proof of Domestic Support Obligation information for child support (RECEIVED)

----------------------------
RESOLVED ISSUES:
- 2 months statements from CoinBase acct prior to filing date and TD Bank chkg acct statement from 10/8/25-11/7/25. (RECEIVED TD BANK STATEMENT)
- NJ file estimated tax claim 2023. (RESOLVED)
- The debtor must provide updated proof of auto insurance for the vehicles. The policy provided has expired. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s). (CERT OF SERVICE FILED)
- Must service OneMain listed in motion of plan. (CERT OF SERVICE FILED)
- Must resolve creditor objection (LISTED ABOVE)

Plan proposes: $502 x 60 beginning 12/1/2025, $0 to unsecured creditors
Payments: 3/4, arrears $502
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-22788 / MBKJenee K. Ciccarelli, Esq.Order Vacate Dismissal of CaseContinued
12/2/2026 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $145.00
submitted inteim order --NFA-all items resolved or D on 12/2

9/3 workup EDC

SAME AS IN MARCH-NOTHING RESOLVED--STILL NO LOAN MOD...CASE WAS DISMISSED AND VACATED AND STILL SAME ISSUES

--MP FILED PUSHES LOAN MOD BACK. $145.41 x 10; $1180 X 26; begin 1/1/26; MIN $35,630.07 and Loan mod on Church Rd by 11/30/26

1. Trustee obj to the following:
- Must provide Domestic Support Obligation information form (Sched J list support expense $500) and 2024 Tax Return. PER SETTLEMEMENT AGGREEMENT THERE IS NO CHILD SUPPORT

- Must resolve IRS estimated tax claim, 2023 and 2024 not filed and State of NJ also filed estimated tax claim, 2022-2024 not filed.

- Plan is not feasible. Debtor has insufficient income, disposable income verifies $145. Total unsecured creditors filed $35,630.07 and pending the estimated tax claims.


- There is non-exempt equity $11,459 in 2018 Ford, $14,342 in bank acct and $35,256 in the residence pending resolving estimated tax claims.

- Must file Pre-confirmation certification.

- Add to confirming order non-exempt proceeds from the estate of Margaret Doonan and the potential claim against debtor's neighbor.
- Must file fee app within 7 days from confirming order.

2. IndyMac/Deutsche (CORY WOERNER) obj to plan not proposing to pay arrears pending loan mod, income not feasible. Loss mit order granted to be done 90 days from 2/11/26 as o 9/3 no loan mod still

Prop Plan $145.41 x 60 begin 1/1/26; 100% and Loan mod on Church Rd by 4/1/26
Note: PSA states Debtor to own residence and ex-spouse to own other property and there is no spousal/child support.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-22799 / MBKMelissa Wotton, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 9 required payments   Arrears: $0
use equity at 100,000 and make 100% to confirm

AS OF 9/8/2026 (at):

RECOMMEND: $8,039 PAID TO DATE, $1,499 X 51 BEGINNING 10/1/2026, SALE OF 1964 PONTIAC BY 12/9/2026, 100% PLAN
- Non-exempt proceeds from potential claims against third party company for fraud, misrepresentation, negligence, and severe emotional distress to Trustee.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.
- Preserve non exempt equity of $100,000 in the 1964 Pontiac.
- Add to confirmation order Trustee Standard Order of Distribution


1. Objection filed by the Bank of NY Mellon (Frenkel Lambert) - failure to cure full arrears of $65,082.26. (Per POC). (MODIFIED PLAN PAYS FULL ARREARS AND NO OBJECTION TO MODIFIED PLAN)

2. Trustee's objection:
- The debtor has insufficient income.
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that propose a prompt sale date of vehicle. (MODIFIED PLAN DOES NOT PROPOSE TO SELL THE VEHICLE)
- Amendments to Schedules C to take all proper exemptions on assets. (AMENDED C ONLY EXEMPTS THE RESIDENCE AND VALUES THE 1964 PONTIAC AT $25,000 - EXEMPTS $5,025 OF CAR)
- The debtor has undertaken an improper use of exemption. Specifically: Must use State or Federal exemptions on all assets.
- The circumstances and contents of the debtor's Plan, when taken in their totaility, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
- There is non-exempt equity in the assets.
- 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 and all personal assets, pending amended Schedule C. (AMENDED SCHEDULE C IS INCOMPLETE)
- During the 341 Meeting of Creditors, debtor's counsel advised that a classic car (1964 Ponti
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-23209 / MBKDaniel E. Straffi, Esq.Confirmation HearingContinued
9/30/2026 10:00 am
Debtor has made 6 of 9 required payments   Arrears: $1,050.00
AR RESOLVE OR HOLD
issues as of 8/31/2026 (JMA)

1) Deutsche Bank (LOGS Legal Group) objection to confirmation - CONSENT ORDER RESOLVING OBJECTION, DEBTOR TO PAY $14,137.67 THROUGH PLAN
- Debtor's proposed Chapter 13 Plan does not provide for the curing of the mortgage arrearage accrued at the time of the Bankruptcy filing to Secured Creditor. Secured Creditor is owed estimated pre-petition arrears of $14,597.14

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
3) To confirm need $2,100 paid to date, $825x29 begin 8/1/2026 with $4,000 to gucs - debtor income is negative.

proposed plan $350x36 minimum $4,000 to gucs
paid in $2,100
arrears $350
last claim 12-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return 2024 and 2025, RESOLVED, NO REFUND FOR 2024 OR 2025
- A copy of the homeowner's insurance renewal declaration - policy provided expired 5/16/2026 - need current policy - RESOLVED, PROVIDED GOOD THROUGH MAY 16, 2027
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-23498 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $500.00
PEREMPTORY
8/31 workup EDC

* Trustee obj to the following:
- Removing child support income would make Debtors income insufficient, disposable income will verify $128, after deducting the difference allowed with utilities.
- Sched J has excessive expense for Electric/gas/heat $600.
- Add to confirming order Debtors to provide 2025 Tax Return no later than 5/31/26.

* Bar date has passed, no claim filed by IRS. Cannot pay unless claim.

* Service Finance (HVAC Plumbing) filed arrears claim for $7,720.74, creditor not in plan. Must resolve claim.

* US Dept of HUD filed claim, also not in plan, no arrears owed.

Prop Plan $500 x 60 begin 1/1/26; Base
Note: 2024 Tax Return provided 4/30/26. Expense for transportation $650 is fine. Updated auto insurance, homeowner insurance and copy of letter terminating CS provided.

------------------
resolved

* State of NJ filed estimated tax claim, 2024 not filed. Must resolve claim. resolved

* Freedom Mtg filed arrears claim for $134.92. Needs to be paid.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am25-23501 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 9 of 9 required payments   Arrears: $0
AS OF 9/2/26 (SF) nfa - BELOW ISSUES STILL APPLY

There is a 109(e) issue. Unsecured filed claims total $732,630.84 (To EDC for obj)

1. Creditor Cert of Default (Citizens Bank - 1st mortgage) scheduled for 9/30 at 9

2. US Small Business Admin filed late secured claim 21-1 in the amount of $59,068.45 (MUST RESOLVE)

3. Objection filed by JPMorgan Chase Bank (Lebron) - failure to provide for arrears in the amount of $2492.02 ok to pay

4. Trustee objection:

- Need November and December bank statements for Santander accounts 0514, 2124, 5065,
8542 and 5703.

-Verified income leaves monthly disposable income of $815.24.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $21,961.00 when
determining disposable income.

- There is $5,199 in non exempt equity in the Invesco account. (pending review of statement)

- There is a large discrepancy between the appraisal and online home values. 5/4 AMT: FILED APP FOR APPRAISER RETENTION(SWEENEY)<> (NEED CURRENT APPRAISAL)

- Need a statement for the Invesco Mutual Fund account.



Plan proposes $400 x 36 Base w/min div of $7500 to gucs
Payments: 8/9 Arrears: $400


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Need a statement for the Citizens Bank mortgage. (CLAIM FILED)
- A copy of the last filed tax return - 2024 & 2025 tax return prior to confirmation and 2025
return by 5/31/2026. (RECEIVED)
- Motion for Relief by Santander Bank 5/27/26 resolved

- Motion for Relief by Citizens Bank 5/27/26 resolved
- Citizens Bank filed arrears claim 1-1 in the amount of $6368.99 which is not addressed in plan--ok to pay

- The debtor must provide updated proof of auto insurance for the 2016 Genesis, 2010 Volvo,
2016 Kia and 2024 Chevy.. (RECEIVED. PER ATTY VOLVO WAS JUNKED. DEBTOR NO LONGER HAS VEHICLE)



Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-11134 / MBKJoseph Albanese, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-11205 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0
**Confirm at $3000 paid then $1050 x 53 remaining beg. 10/1/26 pro rata---Trustee to reserve determination of the equity in property pending the completion of this confirmed plan. Confirmation of the Plan shall not constitute a determination of the Debtor's interest or equity, if any, in the property.



AR RESOLVE OR HOLD
8/31 workup EDC
*per email debtor was talking to attorney about possibility of either Executing a corrective deed confirming that client has no interest in the Property; or Execute documents to transfer the property to a trust.--NOT DONE AND NO BRIEF. EDC SENT EMAIL ON 8/31 FOR UPDATE


*briefing schedule on hold to allow attorney to talk to trust attorney regarding the deed. Gillman may need to file a motion if he intends to try to transfer deed from debtor's name EDC

2 WEEKS JUSTIN 2 WEEKS ERIK BRIEFIGNG
**trustee objection: Per Schedule A, Debtor is reflected on record title as a joint tenant with right of survivorship with her MK ..debtor is POA for aunt she signed Deed- Atty takes position her interest is not valuable as its really a way to protect Aunt( MK : I DO NOT AGREE- she has 50% interest in real property and now that interest should be part of this case even though debtor does not live there .

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income - Paystubs for February and March 2026. USING ALL PAYSTUBS PROVIDED FROM AUGUST 8, 2025 TO MARCH, 20, 2026 - DEBTOR INCOME $8,542.82 - RESOLVED
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $1,229.78. WITH UPDATED INCOME, DISPOSABLE NET INCOME IS OVER $1500. PLAN ONLY PROPOSES PAYMENT OF $500
- Debtor's attorney must file a
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-11228 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $51,000.00
CAN CONFIRM IF CURRENT OR ELSE D PER GORSKI

9/1 Workup edc
**Main issue is that debtor behind 3 payments

--per gorski will pay 100%--


** Trustee objection to confirmation:

- 2 months bank statements from Citizens Bank prior to filing date and statement from Drivewealth stock value. NOW FILED- VALUE IS $25,400 EQUITY

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $687 and Car payments $769 & $842.
- 22C has excessive expense on Line 30 for additional food/clothing $105 and Line 45 has disposable income $4,702.67, add back $105 there would be disposable income $4,807.67, which would require min. div. $288,460 to gucs.

- Must provide service Bank of America, 2nd mortgage to street address not PO Box for cramdown-SERVICE ON 8/24 WHICH IS NOT ENOUGH TIME FOR THE 9/9 HEARING



proposed plan $17,000x60 begin 3/1/2026 base plan
paid in $51,000
last claim 5-1

---------------------
RESOLVED ISSUES:
- Add to confirming order fee app within 7 days from confirming order.
- The current Plan does not specify treatment of State of NJ secured portion of claim $12,299.94 under the Plan.
- The debtor must provide updated proof of auto insurance for the 2022 Volvo XC90. The policy provided expires on 4/14/26.
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2025. RESOLVED, PROVIDED
1) Bank of America (LOGS Legal Group) objection to confirmation -RESOLVED
- The plan does not provide for curing of the full amount of the mortgage arrearage accrued at the time of the Bankruptcy filing to Secured Creditor.
- Secured Creditor is owed an estimated $626,481.48 FILED CLAIM IN THE AMOUNT OF $625,950.28
- Must resolve IRS estimated tax claim, 2025 tax return not filed. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A c
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-11413 / MBKSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanContinued
9/30/2026 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $150.00
--NEED TO REVIEW EXPENSE SUPPORT EDC

9/1 WORKUP EDC
AR PTY STILL NOT LISTED AS OF 9/8 PER TRULIA

**MFR Citigroup on for 8//19
1. Objection filed by Citigroup Mortgage (KML) - failure to cure arrears of $240,248.37 and sale is speculative. (RESOLVED)(NO ARREARS PENDING SALE)

2. Trustee's objection:

- 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 file the required Pre-Confirmation Certification. (NOT FILED)
- Need January and February bank statements for account 0040. (per direct deposits) (RECEIVED BUT CONTAINS HUNDREDS OF DOLLARS IN VENMO CASHOUTS EVERY MONTH, THIS NEEDS AN EXPLANATION--cert says this is between him and wife because they have separate accounts)
- 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 InquiryRequest
Adjournment
9/9/2026 10:00 am26-11979 / MBKMarc C. Capone, Esq.Confirmation Hearing on Modified PlanContinued
10/21/2026 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $400.00
IRS AND NJ RESOLVED OR D

9/2 workup EDC

--2020-2021 IRS estimated
--2022 and 2025 NJ estimated

1) Trustee objection to confirmation -
- The debtor has failed to file the required Pre-Confirmation Certification.
---- Domestic Support Obligation information Deborah Binetti
- Need to provide Trustee with January and February 2026 statements for acct #4699
- There is $75,327.26 non-exempt equity in house.
2) Certification for licensed real estate agent.

proposed plan $500x60 sale by 12/2026 base plan
paid in $2,600
last claim 12-1
----------------------
resolved
- A copy of the last filed tax return 2025 return by 5/31/2026
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-12477 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $2,412.00
8/31 workup
-still need to resolve

PLAN IS NOT FEASIBLE. TRUSTEE PAYMENT WOULD NEED TO BE $5115 x 56 TO PAY 100%. DEBTOR HAS INSUFFICIENT INCOME TO FUND THE PLAN. CASE PENDING SINCE 3/5/2026.--DEBTOR TO STAY ON TFS AUTO PAY

*are we paying the $40,378 US Bank claim, it's not in plan

*are we paying the Huntington Bank claim, it's not in plan

1. Objection filed by MMU, LLC (Ragan & Ragan) - plan is not feasible. Debtor has insufficient funds to cure secured claim in the amount of $170,661.47. (RESOLVED - PAY PER CLAIM)

2. Objection filed by SN Servicing (Friedman Vartolo) - failure to cure arrears of $40,378.96 (Per claim). Plan lists creditor as unaffected. (UNRESOLVED)

3. Objection filed by Mountain View at Hunterdon Association (Hill Wallack) - failure to cure arrears of $7,173.50. (Per claim). Plan is silent as to this creditor. (UNRESOLVED)

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 - for 2024 prior to confirmation and 2025 by 5 /31/2026. (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $4,023.76.
- The current Plan does not specify treatment of MMU, LLC's secured claim under the Plan. (OBJECTION 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 $463,482 in non exempt equity in the residence. (LANGUAGE ADDED)
- Amend Sch I to add income from Public Partnerships (PPL) and provide proof of income.
- Also, the income for work at Amazon has decreased while the inco
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-12765 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $0
9/14 Workup EDC

**CONFIRMED AT : $103,100 PAID THEN $22500 X 54 BEG 10/01/2026 100%- TRUSTEE TO SUBMIT CONDUIT ORDER
TRUSTEE TO PRESERVE EQUITY OF $676,000 IN REAL ESTATE


**Just waiting for PP information from Goldman for his client for conduit

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 InquiryRequest
Adjournment
9/9/2026 10:00 am26-12898 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 6 required payments   Arrears: $4,157.00
PER AR NEED CONDUIT

AS OF 9/8/26 (SF) UPDATED.

RECOMMEND $16,400 PTD, $7,157 X 55 (BEGIN 9/1/26) BASE PLAN
- PAY ARREARS CLAIM 13-1 TO EVERBANK
- CONFIRM WITH CONDUIT PAYMENTS OF $2086 PER MONTH
- TRUSTEE TO FILE CONDUIT ORDER WITHIN 30 DAYS
- STRIKE LOAN MOD LANGUAGE FROM PLAN
- STUDENT LOANS TO BE PAID OUTSIDE PLAN
- ADD TWO YEAR BAR LANGUAGE TO CONFIRMATION ORDER IF CASE IS DISMISSED.



AR NOTE IF SHOW FEASIBILITY THE NEED TO ADJ

8/3/26 (SF) UPDATED - After review of new profit and loss for puppy business disposable income is now $4267. To include claim of Everbank debtor will need to pay $4975 going forward beginning 8/1/26. Need to know if there will be a loan mod.



7/29/26 (sf) Atty just submitted docs regarding business that debtor has which was not previously provided. Need amended Schedule I.

7/27/26 Per Stuart West the objection is not resolved. They want their claim paid through the plan which makes the plan infeasible. Will need the Judge.


per judge the stay is extended to 7/29/26

AS OF 7/28/26 (SF) Updated

1. Motion for Prospective Relief 7/29 at 9

2. Motion to Extend Time 7/29 at 9

3. Objection filed by Everbank (West) - repeat filer and arrears are $222,674.39. Motion for Prospective Relief pending

4. Objection filed by Toyota Motor Credit (Stewart) - failure to pay arrears of $1370.08

5. IRS filed priority claim in the amount of $11,666.73 and Secured claim in the amount of $5544.53 (OK TO PAY?)

6. Trustee objection:

- The debtor has insufficient income. Disposable income verifies $2,526, even when adding tax
refund.

- Need a Modified Plan that propose a date for loan mod on Part 1c, removes Timeshare from
Part 4f, already on Part 4e as surrendered.

- Need Amendments to Schedules A/B and C to add value of Mackie & Pammie business.


- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Life insurance $600 (Shed B list life insurance with no value). Must provide proof of excessive e
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13142 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $300.00
AS OF 9/9/26 (SF) UPDATED

OK TO CONFIRM AT $300 X 60 (BEGIN 4/1/26) 100% PLAN; PLUS NONEXEMPT PROCEEDS FROM SALE OF REAL ESTATE BY 10/1/26
- If the within case is dismissed, there will be a 180 day bar on re-filing.
- Preserve non exempt equity of $141,726 in residence.
- Pay Arrears to US Bank Trust claim 11-1 pending sale
- Ok to pay secured claim 10-1 for Oakwoode Association
- Low Base


OK TO CONFIRM 100% WITH SALE BY 10/1
180 day bar on dismissal

9/2 workup EDC



-sale by October per plan--what is status? this is 4th filing

1. Objection filed by Fay Servicing (Friedman Vartolo) - failure to cure arrears of $112,283.93. Loan modification/sale is speculative. (RESOLVED)

2. Trustee's objection:
- The current Plan does not specify treatment of Oakwood Association's secured arrears claim under the Plan. (100% plan) (PAY)

- There is $141,726 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to resolve objection by Fay Servicing. (LISTED ABOVE)
- Any dismissal should trigger a 180 bar to refiling. (LANGUAGE ADDED)

Plan proposes: $300 x 60 beginning 4/1/2026, sale of residence within 6 months of filing, 100% plan
Payments: 5/6, arrears $300
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13149 / MBKRobert Manchel, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 6 required payments   Arrears: $0
AS OF 9/8/2026 (at):

RECOMMEND: $1,573 PAID TO DATE, $325 x 30 BEGINNING 10/1/2026, BASE

MP proposes: $1,475 paid to date, $295 x 31, base
Arrears: $317
(Amended Part 3 a to add the debtor's IRS debt.)
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13251 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $2,400.00
8/31 workup EDC

** Trustee obj (plus supplemental) to the following:
- Case is 109(e) total unsecured filed to date $556,694.71, bar date is 6/3/26.

- Must provide DSO Information Form,
-- 2025 Tax return
-- Truck insurance for two 2023 Tractor trailers (insurance provided expired 2/25/26 and is not in name of Debtor's business, in name of J2 Logistics the business that Debtor works for as 1099 employee. PER EMAIL FROM DEBTOR ATTY - Debtor currently has one remaining vehicle, a 2023 Volvo truck, which is owned by ANMP. Insurance for this vehicle is maintained through the contract company., The other two trucks financed through BMO and Volvo were reportedly stolen, later recovered, and subsequently repossessed. Based upon the current circumstances, Debtor may need to amend the Chapter 13 Plan to change the treatment of these vehicles from "keep current" to "surrender"
- 22C has disposable income $7,338, which would require min. div. $440,280 to gucs.
- Disposable income verifies $10,989.
- There is non-exempt equity in the business $220,000 and Audi $15,999.
- Add to confirming order non-exempt proceeds from identity theft claim to Trustee.

3. Per Statement of Financial Affairs Debtor sold his jewelry business for $96,000 and received in 2 payments $65,000 8/25/25 and $31,000 2/15/26, which was less than a year before the filing of this case.

Prop Plan $1,200 x 60 begin 4/1/26; 100%
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13317 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $683.00
9/1 workup EDC

*motion to expunge on for 9/9 will resolve this---PLAN IS NOT FEASIBLE. RESURGENT CAPITAL FILED A SECURED CLAIM IN THE AMOUNT OF $40,432.62. DEBTOR HAS INSUFFICIENT INCOME.

Trustee's objection:
- need change of address from for debtor (RECEIVED)
- estimated tax claims by IRS for 2024 ( STILL ESTIMATED)

Plan proposes: $683 x 60 beginning 4/1/2026, 100% plan
Payments: 3/4, arrears $683
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13488 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0
NFA
9/2 workup EDC

1) NJ Division of Taxation (claim 21-1P) estimated for 2025 taxes. Need amended claim. CLAIM STILL ESTIMATED

2) NJ Division of Taxation (claim 21-1U) estimated for 2020 - 2021 taxes. Need amended claim. CLAIM STILL ESTIMATED


proposed plan $750x36 base plan

------------------
resolved

4) Trustee objection to confirmation - RESOLVED
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. PAYMENTS MADE VIA TFS, CURRENT WITH PAYMENTS
- The Debtor has not filed the required Pre-Confirmation Certification. RESOLVED, FILED
- 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. RESOLVED, PROVIDED
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
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13494 / MBKAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0
9/2 workup EDC

NEED $9149 PAID THEN $2157 X 54 BEG 10/1/26 100% DUE TO EQUITY OF $53,670

1. Objection filed by Police and Firemen's Retirement System (Pluese Becker) - failure to cure full arrears of $66,412.31 (Per claim). Plan proposes to pay $58,000. (UNRESOLVED)

100% CASE

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Business profit & loss statements (RECEIVED)
- Business forms (RECEIVED)


Plan proposes: $1,826 x 60 beginning 4/1/2026, 100% plan

------------------
resolved

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Excess expenses: Telephone/internet/cable $600/month; Disney Vacation Club Dues $152; miscellaneous/unexpected expenses $100 - need to provide supporting documents for this claim. OK 100%

-Form 122C-2 total on line 45 is $3215.33 and requires minimum $192,919.80 to general unsecured creditors.
-There is $42,885 non-exempt equity in house.
-There is $10,160 non-exempt equity in Volkswagen.
-There is $625 non-exempt equity in debtors 50% ownership of Chic Stitch LLC.
TOTAL NON-EXEMPT EQUITY $53,670 (100% PLAN) (LANGUAGE ADDED)

The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13705 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
9/11/2026 1:00 pm
Debtor has made 4 of 5 required payments   Arrears: $1,300.00
AR NOTE REC DISMISSAL , NOT CURRENT WITH LENDER
SEE ALSO MOTION TO EXT NOTE IF DISMISSED 1 TY BAR ( 4TH CASE 3 PRIOR DISMISSALS )
8/31 workup EDC
** FOR 9/9 TO BE CURRENT WITH TRUSTEE AND WITH LENDER AUG AND SEPT AND TRUSTEE AND HAVE A JOB OR D--GOT JOB BUT NOT CURRENT WITH LENDER OR TRUSTEE PER AGREEMENT

AR 4-20-26 PER MBK AT MOTION TO EXT NEEDS CONDUIT IF NOT CONF 1 YR BAR

ISSUES AS OF 7/22/2026 (jma)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income for new job or proof of unemployment income.
- Need March and April statements for Wells Fargo account listed on Schedule B or evidence that it was closed.
- 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 $1,799 in non-exempt equity in the personal property.
- There is $68,425 in non-exempt equity in the personal injury lawsuit.
- Non-exempt equity from personal injury claim are to be turned over to the trustee.

proposed plan $2,200x60 100% plan
paid in $4,400
arrears $2,200
last claim 7-1
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13820 / MBKDarin D. Pinto, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 5 of 5 required payments   Arrears: $0
NS

AS OF 9/2/26 (SF) Need status of sale

1. Motion for Relief by Bank of NY Mellon scheduled for 9/9 at 9 (MUST RESOLVE)
mfr granted 9-9-


7/28/26 (sf) Atty requested adj for more time to market the property. Creditor did not consent so adj request is denied.

1. Objection filed by Bank of New York Mellon (RAS) - objects to any plan that does not provide for contractual monthly payments pending the sale of the property. Secured Creditor requests that the Debtors provide an appraisal to demonstrate that the proposed sale of the property will exceed the aggregate of liens encumbering the subject property. Debtor has no disposable income and therefore does not qualify as a debtor under 109(e)

2. Quailbrook Phase 1-B HOA Inc. filed bifurcated claim 1-1 in the amount of $3672.81 secured, 2497.91 unsecured (MUST RESOLVE)

3. Trustee objection:
- There is $188,137 non-exempt equity in house

4. Debtor has negative income



Plan proposes $100 x 36 Base Sale by 10/6/26
Payments: 4/5 Arrears: $100



RESOLVED:
- Must file pre-confirmation certification (FILED)

Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13844 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
9/3 workup EDC
--SAME ISSUES SINCE MAY

1. Objection filed by US Bank (Robertson Anschutz) - plan proposes to pay full unpaid balance at 0% interest. Creditor wants current interest of 2.75%. (UNRESOLVED)

2. Trustee's objection:

- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- Valuation on business assets at approximately $200,000 per 341 testimony based on 2006 purchase price. ( RECEIVED BUT INCOME DOES NOT LINE UP WITH SCH I & J)
- A Modified Plan that adds student loans to be treated outside. (NOT FILED)
- Amendments to Schedules A/B and C to add business assets. (NOT FILED)

- 22C-1 Has excessive expenses for spouse on Line 13 $900 for gas, personal care, gifts and
medical (22C already takes household of 2 expenses and already allows for these expenses).
- 22C-2 Has excessive expenses: Line 12 takes $600 for 2 cars (surrendering 1 car, only has
1 car, auto insurance does not have additional cars for spouse insurance with Debtor listed as
driver), Line 13c takes $185.15 (car is being surrendered) and Line 23 for phone $492.96
- Home maintenance $650, Electricity/gas/heat/oil $694.34, Transportation $900 (1 car), 2nd mortgage $939.09 (Mortgage has matured) and Student loans $390.43 (Plan fails to add student loans outside).

- 22C fails to add tax refund income $1,144.34, plus excessive expenses has disposable income $5,728.16, which would require min. div. $343,690 to gucs.
- Disposable income verifies $6,312.
Both 22c and disposable income agree as to disposable income.

- The current Plan does not specify treatment of Student loans under the Plan.
-
- Plan does not mark off Notice required and fails to propose non-exempt equity. (MODIFIED PLAN NOT FILED)
- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e).
Per Schedules total unsecured debts $710,833.90.

- The modified plan filed 4/28/26 fails to mark of Notice Required, so creditors
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-13887 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $3,242.00
-RESOLVE IRS OR D

9/2 workup EDC

--objection by HUD 3rd mortgage--but claim is 0. HUD can be treated outside of the plan ( ENGEL )

--objection by Onity Mortgage

--IRS has 2022 estimated claim

Trustee objection:
--Need to add workers compensation case to schedules

Plan $3256 x 60 pro rata
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-14165 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 5 required payments   Arrears: $0
As of 9/3/26 (DS): 1. DEBTOR IN ARREARS $2,000, MADE 1 OUT OF 5 PAYMENTS, LAST PAYMENTS MADE 5/29/26.

2. BELOW ISSUES STILL NOT RESOLVED.

6/17/26 (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.

2. 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
Note: Obj with Rocket Mtg resolved-C/O entered 6/25/26 Loan mod by 11/30/26
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-14198 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0
MP 14 DAYHS

AS OF 9/8/2026 (at):

1. Objection filed by Carrington Mortgage (Robertson Anschutz) - Schedule J fails to list the mortgage payment and debtor has insufficient income. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)

Plan proposes: $400 x 36, sale of 198 Grand Central Parkway by 5/1/2027, 100% plan
Payments: 4/5, arrears $400
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-14431 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 5 required payments   Arrears: $432.00
8/31 workup

***to confirm needs:
$587.52 paid then $432 x 56 beg 9/1/26 pro rata

1) Trustee objection to confirmation - RESOLVED
2) Income is negative $1,625.20

proposed plan $146.84x60 base plan
paid in $293.84
last claim 17-1

RESOLVED ISSUES:

- 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): Statements for all Capital One Bank accts from 4/1/26 RESOLVED, STATEMENT PROVIDED NEGATIVE INCOME $264.35
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-14558 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $4,050.00
AS OF 9/2/26 (SF) NOT CURRENT WITH PAYMENTS - ARREARS: $12,150

1. Motion for Relief filed by Onity Mortgage and scheduled for 9/9 at 9 (MUST RESOLVE)

2. Objection filed by Onity Mortgage (RAS) - Plan is not feasible due to insufficient income to pay arrears claim in the amount of $208,146.95

3. Objection filed by Santander Bank (Craig) - does not treat creditor in plan (2020 Mercedes GLS)

4. Trustee objection:

- Need a copy of 2025 Tax Return (STILL NEED)

- Need a valuation for Advisors Solar Group.

- Verified income leaves monthly disposable income of $6,386.03.

- There is $50,000 in non exempt equity in the business. (pending valuation)

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

5. Must file pre-confirmation certification


Plan proposes $1000 x 1; $4050 x 59 Base
Payments: 2/5 Arrears: $12,150

--------------------------
RESOLVED:
- A copy of the homeowner's insurance renewal declaration - Policy expired on 6/15/26. (RECEIVED)
- The debtor must provide proof of auto insurance for the 2008 Lexus and 2015 Mercedes. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Need proof of service on Affinity Federal Credit Union. (FILED)
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-14838 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
NFA

As of 9/8/26 (DS): Recommend confirming at $1,212 paid, $1,673 x 55 begin 10/1/26 Base and within 7 days must file Pre-confirmation certification - ATTY REQUESTED ADJ REQUEST LATE, MUST APPEAR

1. Trustee obj to the following:
- Must provide bank statements for all Navy FCU for 3/13/26 thru 4/30/26. $1,484 in bank acct as of 4/12/26, Sched B has $100.
- Excessive expenses on Schedule J: $1,200 for food for 1 person; $1,100 for transportation.
- Debtor is above median. Plan should be extended to 60 months.
- Per 22C line 45 disposable income is $3,350 which requires min. div. $201,000 to gucs or 100% Plan. DUE TO DEBTOR EMPLOYED LESS THAN A YEAR FROM 5/31/26, WILL GO WITH VERIFIED DISPOSABLE INCOME, NOT 22C.
- Disposable income verifies $1,942.
- Must file Pre-confirmation certification.

Prop Plan $300 x 36 begin 5/1/26; Base
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-14905 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $250.00
MP 14 DAYS

AS OF 9/8/2026 (at):

1. Objection filed by Rocket Mortgage (Stern & Eisenberg) - failure to cure full arrears of $19,650.67 (Per POC). Plan proposes to pay $10,250. (UNRESOLVED)

2. Objection filed by PRO CAP 8 (Burrini) - plan is silent as to their secured claim in the amount of $1,340.14. (UNRESOLVED)

3. 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):
- Failed to provide bank statements (RECEIVED)
- There is $61,366 non-exempt equity in house. (LANGUAGE ADDED)
- Using paystubs provided debtors total disposable income is $865.08. Need to pay all disposable income into plan.
- Student loans outside plan. (LANGUAGE ADDED)
- St. Of NJ estimated claim (NO LONGER ESTIMATED)

Plan proposes: $500 x 12 beginning 5/1/2026, $1,500 x 48, $77,000 to unsecured creditors
Payments: 4/5, arrears $500
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-14995 / MBKWalter D. Nealy, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $1,570.00
MP IN 14 DAYS

AS OF 9/8/2026 (at):

DEBTORS HAVE MADE 2 OF 4 TRUSTEE PAYMENTS.

1. Objection filed by LoanDepot.com (Frenkel Lambert) - failure to cure full arrears of $29,000.41 (Per POC). Plan proposes to pay $24,540.96. (UNRESOLVED)

2. Objection filed by 576-580 Scotland Road, LLC (Schwartzberg) - debtors continue to use the property post petition without making payment. Plan proposes to surrender the lease. Creditor states that the debtors cannot do that. (UNRESOLVED)
LL MFR GRANTED 9-9

3. Objection filed by Toyota Motor Credit (Stern & Eisenberg) - Toyota objects to the value of $0 for the property and values the property at $49,000. They are seeking the deficiency balance. (UNRESOLVED)

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- P & L does not provide for rent expense on expenses. (SURRENDERING THE LEASE?)


------------------------------
RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $180,188. (LANGUAGE ADDED)
- Must resolve the creditors objections. (LISTED ABOVE)
- The debtor has insufficient income. Debtor's 18 yr old child has reached 19 years old, per docs provided should no longer be receiving subsidy after the age of 18. Disposable income verifies
$1,168. (E-WAGE LANGUAGE ADDED)

Plan proposes: $1,570 x 60 beginning 6/1/2026, 100% plan
Payments: 2/4, arrears $3,140


Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15059 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00
issues as of 8/31/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The debtor must provide updated proof of auto insurance for the 2007 Mercedes and 2011 Chevy. The policy provided expires on 9/2/2026 for both cars CONFIRMATION HEARING IS 9/9/2026 - NEED TO PROVIDE UPDATED AUTO INSURANCE POLICY FOR BOTH CARS BEFORE HEARING.
- 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 $17,790 in non-exempt equity in the residence. (100% plan)
- Non-exempt proceeds from life insurance from deceased husband are to be turned over to the trustee.

proposed plan $500x36 with loan mod by 12/2026 100% plan
paid in $1,500
last claim 11-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,607.00 when determining disposable income. RESOLVED, INCLUDED IN INCOME ANALYSIS
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15230 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $412.00
UPDATED 8/31/2026 (JMA)
issues as of 8/28/2026 (JMA)

1) Capital One Auto Finance (Stewart Legal) objection to confirmation - NEED TO RESOLVE
- Creditor filed Proof of Claim 12-1 in the total amount of $7,033.32
- Creditor objects to the proposed interest rate of 7.75% because the U.S.Prime Rate as of the date of filing was 6.75% and, therefore, pursuant to the Supreme Court's interest rate formula promulgated in Till v. SCS Credit Corp, an appropriate rate of interest is 9.75% (542 US 465 (2004). (OTBS)

2) Trustee objection to confirmation - NEED TO RESOVLE
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis with comparatives sold within 6 months of filing and cert from realtor as to condition of property FIRST CMA WAS PROVIDED 4/20/2026 PROVIDING CMA VALUE OF $432,000 AND NOW PROVIDED A CMA DATED 8/30/2026 WITH A VALUE OF $460,000. WHY PROVIDE A NEW CMA 3 MONTHS AFTER FILING?

- 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): Using Zillow, there is $18,632 in non-exempt equity in the residence.
- The debtor has failed to provide proof of service with respect to Plan Motion(s). RESOLVED, FILED, 6/5/2026
- Need proof of service on Capital One Auto Finance. RESOLVED, FILED, 6/5/2026

4) Trustee will need an order setting forth the interest rate for Capital One Auto Finance claim.

5) IRS Priority and Unsecured General Claims estimated. Need amended claims.

6) State of NJ Priority and Unsecured General Claims estimated. Need amended claims.

proposed plan $412x60 0% plan
paid in $1,236
last claim 30-1
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15301 / MBKLawrence W. Luttrell, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $2,577.00
MP IN 14 DAYS

AS OF 9/2/26 (SF) NOT CURRENT WITH PAYMENTS ARREARS: $5077.44


PLAN IS NOT FEASIBLE


1. Objection filed by Newrez (RAS) - failure to pay arrears of $177,003.48 and feasibility

2. Trustee objection:

- The debtor has insufficient income.

- The debtor has failed to file a feasible plan - Debtor has insufficient income .

- A Modified Plan that completes part 8a. (STILL NEED)

- Amendments to Schedules J to remove plan payment.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,400/month for food for two
$838.96/month mortgage payment (per statement, the payment is $1,912.39)

- There is $134,982 in non exempt equity in the residence.

- The attorney's fees in the plan ($0) and the disclosure statement ($4,750) do not agree. One
of these must be amended. (MUST RESOLVE)



Plan proposes $2524.36 x 60 100% Plan
Payments: 2/4 Arrears: $5077.44


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

Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15469 / MBKJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $2,033.00
updated 8/17/2026 (JMA) - there is still significant negative income
issues as of 8/14/2026 (JMA)

1) Homeowners insurance provided effective through 7/15/2027
2) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- The Plan erroneously lists Creditor as a Secured Claim Unaffected by the Plan in Part 4(f). Although Creditor has not yet filed a Proof of Claim, it is anticipated that the claim will include pre-petition arrearage totaling $8,439.69. (cotbs-- pay these arrears))


4) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. negative $4,381.04.
- 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 homeowner's insurance renewal declaration policy for property at 1878 expired 7/15/2026 - need to provide renewal.

proposed plan $2,033x60 100%
paid in $4,066
arrears $2,033
last claim 28-1
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15609 / MBKPRO SEConfirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0
-ns
-I LEFT DETAILED MESSAGE WITH DEBTOR ON HIS VOICEMAIL ON ACCESSING DISPOSTION LIST ON 9/3 EDC

ISSUES AS OF 8/28/2026 (JMA)

1) Plan fails to include the number of months to be paid through plan.
2) Part 4a lists Selene Finance with amount to be paid $356,173.73 for taxes.
3) Part 4c lists Rehab at Riveredge with amount to be paid $3,100.
4) Plan fails to complete Part 5a.
5) Plan 8a, and 8c are not completed.
6) No Trustee plan payments to date, arrears $300
7) US Bank Trust NA (RASC) objection to confirmation - NEED TO RESOLVE
- Secured Creditor anticipates that its claim will evidence pre-petition arrears in the amount of $135,855.64.
- Secured Creditor objects to any Plan which proposes to pay it anything less than the amount listed in the approved proof of claim.
- The Plan does not appear feasible due to inadequate treatment of Secured Creditor's claim. Thus, the plan violates the provisions of 11 U.S.C. 1325(a)(3) and cannot be confirmed.
8) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The Plan proposes non-standard order of distribution.
- The debtor has not filed the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with a feasible plan.
- The debtor needs to file a modified plan
- The debtor needs to file amendments to schedules.
- The debtor's plan consists of unnecessary or excessive expense items, such as
- The debtor is not paying all disposable income into the plan pursuant to either Schedules I&J or 22C based upon the Trustee's review of the income and tax returns provided.
- The debtor has not provided the recording information for the deed to property.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $66.16 when determining disposable income.
- The Plan fails to provide for a prompt loan modification completion date.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15696 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 4 required payments   Arrears: $0
UPDATED 9/2/2026 (JMA)

NEED TO CONFIRM AT $1,430 PAID TO DATE, $917X56 BEGIN 10/1/2026 100% PLAN

issues as of 8/28/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return 2025, RESOLVED, RETURN PROVIDED NO REFUND
- IRS Priority claim has been amended, there is $13,986.01 to be paid. RESOLVED
- Debtor to provide proof of the $1000 a month rental agreement. RESOLVED, PROVIDED RENTAL AGREEMENT. MONTH TO MONTH LEASE $1,000/MONTH.
- The plan must contain a 100% payout due to the equity of $79,000 in real property.
2) Debtor disclosed real estate income of $800. However, the debtor also provided proof of income 12/18/2025 $5,160 and 1/9/2026 $3,915 - the total is significantly higher than $800. NEED TO VERIFY HOW MUCH WAS MADE FROM P/T JOB.

proposed plan $350x60 100 %
paid in $1,430
last claim 13-1
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15775 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
Debtors in the process of finalizing a loan mod


7/28/26 - Removed from honor roll. M&T Bank just filed arrears claim 19-1 with arrears of $35,988.07 which is not addressed in plan. Plan is no longer feasible.


AS OF 7/23/26 (SF)


RECOMMEND $1,115 X 60 (BEGIN 6/1/26) 100% Plan W/MIN DIV OF $207,223 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- STUDENT LOANS TO BE PAID OUTSIDE PLAN


Plan proposes $1115 x 60 100% Plan
Payments: 2/2

Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15867 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
AS OF 9/2/2026 (at):

1. Objection filed by Carrington Mortgage (Friedman Vartolo) - failure to cure arrears of $128,616.70 (Per POC). Plan proposes to pay $0. Loan mod plan. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- 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):
- Proof of 2 month's income - for contributor. (RECEIVED)
- The debtor must provide updated proof of auto insurance for the 2012 Ford and 2017 Honda. The policy provided has expired. (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 $10,513 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $8,559 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Need to resolve objection by Carrington Mortgage. (LISTED ABOVE)

Plan proposes: $1,000 x 36 beginning 6/1/2026, loan modification by 12/2026, base
Payments: 3/4, arrears $1,000
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15906 / MBKPRO SEConfirmation Hearing on Modified PlanMoot - DismissedDebtor has made 2 of 4 required payments   Arrears: $0
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15939 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 8/28/2026 (JMA)

OK TO CONFIRM AT $1,062X56 BASE PLAN

1) Trustee objection to confirmation - RESOLVED
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. DEBTOR HAS BEEN PAYING WITH TFS
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A Modified Plan that surrenders the time share. RESOLVED, MP SURRENDERS TIMESHARE
- The debtor must provide updated proof of auto insurance for the 2013 Nissan and 2014 Nissan. The policy provided has expired. RESOLVED, PROVIDED INSURANCE CARD EFFECTIVE THROUGH 1/16/2027
- The Schedules fail to account for the debtor(s) tax refund in the amount of $487.00 when determining disposable income. RESOLVED, INCLUDED IN INCOME ANALYSIS.
- The current Plan does not specify treatment of Credit Acceptance's secured arrears claim under the Plan. MODIFIED PLAN PAYS $298.47 ARREARS THROUGH PLAN


proposed plan $1062x56 base plan
paid in $3186
last claim 13-2
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-15958 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $400.00
AS OF 9/2/26 (SF)


1. Objection filed by US Bank (RAS) - failure to cure arrears and speculative loan mod. Also fail to provide for monthly payments pending approval of loan mod (MUST RESOLVE) NEED ORDER

2. Trustee objection:

The plan provides for a large step-up even though the debtor does not have any upcoming
increase in income. The proposed plan is not feasible if the debtor does not obtain a loan
modification

Plan proposes $400 x 6; $1472.13 x 54; Base Plan; Loan mod by 11/2026
Payments: 3/4 Arrears: $400

RESOLVED
- Need contribution affidavit to support higher tier payments (RECEIVED)
- Must file pre-confirmation certification (FILED)
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-16346 / MBKJuan C. Velasco, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $379.00
AS OF 9/8/26 (SF) UPDATED

RECOMMEND $380 x 2 (BEGIN 7/1/26); $379 X 58 BEGIN 9/1/26) BASE PLAN
- Yendo Inc claim 9-1 to be paid in full
- Sunbit Financial did not file a claim. Strike from plan
- Student Loans to be paid outside plan
- American First Finance claims 11 and 12 to be paid as unsecured claims
- Debtor to sign up immediately for TFS auto payments




1. The plan proposes to pay American First Finance in full as a secured claim. American First Finance filed two unsecured claims. (These claims will be paid as unsecured claims pro rata) OK PER ATT

2. Sunbit Financial did not file a claim. Should this claim be stricken from the plan? OK TO STRIKE

3. Yendo Inc will be paid in full per proof of claim in the amount of $11,110.45. If debtor wants to cram interest rate need separate service or motion. OK TO PAY IN FULL

4. Trustee objection:
- The debtor has insufficient income. negative

Plan proposes $379.02 x 60 Base
Payments: $570 Received Arrears: $567.06

RESOLVED:

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

--BE CURRENT BY 9/9 OR D BECAUSE OF CANCELLED TFS PAYMENTS
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-16641 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $600.00
filed modified plan to be heard 9/30/2026
AR NOTE LL REQUESTING DISMISSAL
LL DUE POST 2 MO NO PTMTS AND NOT PROVIDING FOR PROMPT CURE
DEBTOR HAS 1 MO AVIL BUT NOT WITH ATTY

issues as of 8/28/2026 (JMA)

1) Cedarpeak Management - OBJECTION TO CONFIRMATION- LL MFR GRANTED 9-9
- Plan does not provide for prompt cure to landlord
2) Trustee objection to confirmation - RESOLVED, FILED

proposed plan $600x36 base plan
paid in $600
arrears $600
last claim 13-1
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-16772 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 8/28/2026 (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 homeowner's insurance renewal declaration not provided
- There is $60,129.15 non-exempt equity in house.
- There is $2,446 non-exempt equity in 2017 Chevy Traverse
- TOTAL NON-EXEMPT EQUITY $62,575.15 Plan is 100%
- Estimated IRS guc claim - NEED AMENDED CLAIM
- Estimated State of NJ guc claim - NEED AMENDED CLAIM
2) NJ Division of Taxation general unsecured claim is estimated for 2020-2022 taxes - NEED AMENDED CLAIM

proposed plan $1268x60 100% plan
paid in $3,250
last claim 20-1
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17082 / MBKBrian Gregory Hannon, Esq.Confirmation Hearing ScheduledContinued
12/2/2026 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $850.00
AS OF 9/8/2026 (at):

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

1. 341 is scheduled for 9/17/2026. (READY)
2. Payments: 1/2, arrears $850
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17120 / MBKDarin D. Pinto, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
as of 8/28/2026 (JMA)

OK TO CONFIRM AT $924X60 BEGIN 7/1/2026 100% PLAN

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Bank statements from TD Bank checking acct from 4/19/26-6/19/26 not acct#9232, which has already been provided.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $703, if car payment is paid by son then so should auto insurance $300.
- 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 $595.50, which would require min. div. $35,730 to gucs.
- Disposable income verifies $2,434. Plan propose 100%.
- 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 $116,520.
2) Debtor response to Trustee objection - provided checking statements for acct #2938 for the period of April 19, 2026 through June 19, 2026. Documents will promptly supply the requested statements. RESOLVED, BANK STATEMENTS PROVIDED
- The Trustee asserts that the Debtors' auto insurance expense of $703 is excessive reasoning that if the Debtor's son pays the vehicle loan, he should also pay the $300 of the insurance. This is moot. The Debtors' Plan is a 100% Plan, and the monthly payment of $924 already exceeds what is necessary to satisfy all creditors in full. Accordingly, this objection does not affect the feasibility or compliance with 11 U.S.C. 1325(b). RESOLVED
3) Disposable income - The Trustee states that Debtors are not contributing all disposable income under Schedules I&J or Form 22C, noting:
-Form 22C disposable income: $595.50, requiring a minim
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17157 / MBKPRO SEConfirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,875.00
issues as of 8/11/2026 (JMA)

1) Documents for 341 hearing have not been provided to Trustee to date.


proposed plan $1875x60 100% plan
paid in $1,875
arrears $1,875
no claims to date
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17185 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
12/2/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $100.00
AS OF 9/9/26 (SF) Updated


1. 341 not held - Rescheduled to 9/24/26
2. Payments: Copy of TFS receipt just received for $500
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17219 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
updated 9/8/2026 (JMA)

OK TO CONFIRM AT $3,779.39 PAID TO DATE, $1,588X57 BEGIN 10/1/2026 WHICH INCLUDES $6,166 TO GUCS DUE TO NON-EXEMPT EQUITY IN CD.

updated as of 9/1/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- 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 $27,166 in non-exempt equity in the CD.

proposed plan $1,511.75x60 base plan
paid in $3,023.51
arrears $1,511.74
last claim 13-1

RESOLVED ISSUES:

- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. RESOLVED
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return for 2025 for spouse. RESOLVED, 2025 RETURN FOR SPOUSE PROVIDED, NO REFUND.
- The debtor must provide updated proof of auto insurance for the 2020 Lexus. The policy provided expires on 7/28/26. RESOLVED, RENEWAL EFFECTIVE TO 1/28/2027
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $3,334/month for rent (need copy of lease) RESOLVED, PROVIDED LEASE DATED 8/2/2026 AND THE MONTHLY RENT IS $3,065.
$375/month for clothing RESOLVED, EXPENSE ALLOWED
$275/month for entertainment RESOLVED
$225/month for gifts RESOLVED,
$1,175/month for food for two -RESOLVED, ALLOWED EXPENSE
$1,592/month for transportation - RESOLVED, ALLOWED
- The debtor has failed to provide proof of service with respect to Plan Motion(s). Need proof of service on Schools First FCU. RESOLVED, CERTIFICATION OF SERVICE PROVIDED.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17220 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $13,704.00
As of 9/8/26 (DS): Debtor atty requested adj to allow time to resolve Trustee obj

As of 9/3/26 (DS): 1. Debtor in arrears $13,704, made 0 out of 3 payments. ATTY PROVIDED 2 TFS PAYMENTS $4,568 AND $9,136 DATED 9/5/26, WILL NOT CLEAR FOR 5 DAYS

2. Trustee obj to the following:
- Must amend Voluntary Petition to include also known as name Meera Babiarz-Saar.
- Debtor has insufficient income. Per Profit and Loss statement there is no income. Disposable income verifies -$1,248. Not sure how Sched I was calculated.
- The P&L income from 12/2025-5/2026 generated $31,200 total expenses $9,415.75, but has repayment of prior loans $21,000 only income remaining would be $784.25/6 months = $130.70 so how is income feasible? Total income would be $4,048, expenses are $5,895.
Also 2025 Tax return does not add the business.
Must provide proof of business loans being paid or remove the debt.
- Must file Pre-confirmation certification.

Prop Plan $4,568 x 60 begin 7/1/26; 100%
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17314 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0
ns
AS OF 9/2/26 (SF) NO PAYMENTS


1. Westlake Services LLC filed arrears claim 4-1 in the amount of $629.96 which is not addressed in plan (OK TO PAY?)

2. Motion for Relief filed by Selene scheduled for 9/9/26 at 9

3. Trustee objection:

- The debtor has insufficient income. using proof of income provided, income is lower than
scheduled amount.

-There is $27,058 non-exempt equity in house

Plan proposes $600 x 60 100% Plan; Loan Mod by 1/31/2027
payments: 0/3 Arrears: $1800



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17317 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 3 required payments   Arrears: $345.00
MP IN 14 DAYS

AS OF 9/8/2026 (at):
AR LAST TR PYMT 7-15

1. Objection filed by Deutsche Bank (Padgett Law) - debtor's plan does not provide for specific terms as to the sale and if an amended plan will be filed if property is not sold. (RESOLVED - NEED TERMS)

2. Yendo Inc filed a secured claim for a 2015 Toyota Camry which is not in the plan. What is the debtor's intention for this vehicle?

3. Trustee's objection:
- Need to resolve objection by Deutsche Bank. (LISTED ABOVE)
- Debtor must provide proof that the trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must
provide for vesting at confirmation. (NOT RECEIVED)
- The attorney's fees in the plan ($3,303.50) and the disclosure statement ($3,200) do not agree. One of these must be amended. (NEITHER AMENDED)

RESOLVED ISSUES:
- 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 Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $31,141 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $2,385 in non exempt equity in the car. (LANGUAGE ADDED)

Plan proposes: $345 x 36 beginning 7/1/2026, sale of residence by 1/24/2027, 100% plan
Payments: 1/3, arrears $690
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17336 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0
updated 9/8/2026 (JMA) - NO TRUSTEE PLAN PAYMENTS TO DATE
issues as of 8/31/2026 (JMA)

1) Credit Acceptance Corporation - objection to confirmation - NEED TO RESOLVE
- Credit Acceptance objects to the Debtor's Plan unless the Debtor pays an interest rate of 9.5% on the net loan balance of $22,876.24 over the life of the Plan (60 months in order to adequately protect Credit Acceptance for any risk of loss.
- Adequate protection payments should be made to Credit Acceptance beginning in June of 2026 at $131 per month, being 1.0% of the vehicle value. Payments should be made within 30 days of filing and should continue up to and after confirmation, until regular payments are to be commenced through the Plan to Credit Acceptance.
2) M&T Bank (KML Law Group) objection to confirmation - NEED TO RESOLVE
- Creditor filed secured claim 16-1 for pre-petition arrears in the amount of $37,034.24
3) Trustee objection to confirmation - NEED TO RESOLVE
- There is $95,426.84 non-exempt equity in house.
- Amend petition to include the debtor's interest of father's estate in Jeterville Va.
3) To date debtor has failed to make Trustee plan payments, arrears $3,366.

proposed plan $1,122x60 100% plan
paid in $0
arrears $3,366
last claim 15-1
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17434 / MBKEugene D. Roth, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
Per email to Roth no service on motions to void creditors and needs to file MP because cannot cram tax claim and also surrender real estate. Adj to 10/21 EDC

As of 9/3/26 (DS): 1. No service to CC1 NJ on motions, also plan surrenders real property, but list Monroe Township (Tax claim) in motions, if surrendering property, must surrender tax claim, not list in motions.

Prop Plan $586 x 36 begin 7/1/26; Base
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17451 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $250.00
AS OF 9/2/26 (SF)



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

2. Must file pre-confirmation certification

3. Trustee objection:

- Certification from debtors regarding any family member or friend that is a creditor and
payments they have received in the past year.

- Need to add to the Certification referenced above if the debtors owned any other real estate
within the last 4 years.

- There is 367,550 non-exempt equity in real estate. (100% PLAN)

Plan proposes $250 x 60 100% Plan; Sale of real estate by 12/31/2026
Payments: 2/3 Arrears: $250

Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17484 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,519.00
AS OF 9/8/2026 (at):

RECEIVED PROOF OF TWO TFS PAYMENTS SCHEDULED FOR 9/9 ON 9/8/2026. DEBTORS WILL REMAIN DUE FOR SEPTEMBER'S PAYMENT.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for co-debtor when she returns to work. (LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
- Need a statement for the 2nd mortgage showing monthly payment amount. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,694.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $437,531 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $13,107 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- The attorney's fees in the plan ($4,750) and the disclosure statement ($4,693) do not agree. One of these must be amended. (DISCLOSURE AMENDED - $4,750 PAID THROUGH PLAN)
- Student loans will be paid outside of the plan. (LANGUAGE ADDED)

Plan proposes: $1,519 x 6 beginning 7/1/2026, $2,600 x 54, 100% plan
Payments: 0/3, arrears $4,557
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17520 / MBKStephen M. Goldberg, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $360.00
NFA-debtor to get a job

UPDATED 9/9/2026 (jma)
issues as of 8/31/2026 (JMA)

1) Carrington Mortgage Services/US Bank Trust Company (Friedman Vartolo) objection to confirmation - NEED TO RESOLVE
-Debtor's proposed plan is insufficient to provide for the anticipated claim of Secured Creditor. Upon review of internal records, the objecting creditor is due arrears of approximately $2,509.42 to be set forth in in a Claim to be filed by the Claims Deadline (September 8, 2026)(Ok to pay claim)

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The debtor has failed to file a feasible plan
- Debtor has insufficient income to fund the plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is $67,767 in non-exempt equity in the residence.(OK per attorney)

- Regency Village Condo Association filed a bifurcated claim which needs to be resolved.

proposed plan $360x60 100%
paid in $720
arrears $360
last claim 4-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor failed to provide recording information for the deed to property located at 401 Highway 22 West, Unit 19F, North Plainfield. (100% PLAN). RESOLVED, PROVIDED RECORDED DEED

Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17593 / MBKRoger Chavez, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
341 on for 9/17/26
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17622 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $423.00
As of 9/4/26 (DS): 1. Debtor in arrears $1,100, made 0 out of 2 payments. ATTY PROVIDED PROOF OF TFS PAYMENTS $550 SCHED 9/3/26 AND $126.92 SCHED 9/8/26, WHICH IS NOT FULL SEPT. PAYMENT WILL TAKE 5 DAYS TO CLEAR.

2. Trustee obj to the following:
- Must provide 401(k) loan #1 prior to filing date. Doc provided shows that this was paid off in April, but pay stubs has deductions for another loan in July this was not provided, balance statements from Bitcoin and Chase Bank accts prior to filing date.
- 401(k) loan#2 provided payment $479 ends 4/24/27 and would require a tier plan payment begin 5/1/27.
- Schedule C takes improper exemptions d(3) for Lego set collection should be d(5). AMENDED SCHED C FILED AND THERE IS NON-EXEMPT EQUITY IN THE LEGO $722
- Sched J has excessive expenses: Cell $200, Solar $86 (No mention on Plan) and Auto insurance $200 (verifies $125).
- Disposable income verifies $1,229.
- Plan fails to propose the non-exempt equity in the residence. There is non-exempt equity in the residence $4,438, Lego $722, Chase Bank pending statements and Bitcoin acct pending statements.
- Must resolve IRS estimated tax claim, 2022 not filed.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.

3. Carrington Mtg (ELIZABETH HOLDREN) obj arrears owed are more, POC filed with arrears $22,657.63. Must resolve obj.

Prop Plan $550 x 60 begin 8/1/26; Base
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17664 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/2/26 (SF)


1. The IRS filed a priority claim in the amount of $13,792,21 which is not addressed in the plan (OK TO PAY?)

2. Trustee objection:

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

- The debtor must provide updated proof of auto insurance for the 2023 Subaru. The policy
provided expires on 8/21/26.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for food for one
$599/month car insurance (per statement payment is $494.50)
$728/month car payment
Need proof of expenses 10 days prior to confirmation,

- Non exempt proceeds from slip and fall suit are to be turned over to the trustee .



Plan proposes $150 x 60 Base
Payments: 1/2 Arrears: $150



Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17679 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $695.00
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17695 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/1/2026 (at):

RECOMMEND: $1,300 PAID TO DATE, $1,757 x 58 BEGINNING 10/1/2026, 100% PLAN
- Student loans will be paid outside of the plan.
- Debtor must sign up for e-wage within 7 days of confirmation.
- Preserve non exempt equity of $9,160 in real estate.
- Claim #1 filed by One Main Financial will be paid through the plan.

1. One Main Financial filed a secured claim in the amount of $4,672.65 for a 2007 Dodge Caliber which is not listed in the plan. Are the debtors going to pay this claim? (100% PLAN)

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- income verified lower than amount scheduled. (E-WAGE LANGUAGE ADDED)
- There is $9,160.50 non-exempt equity. (LANGUAGE ADDED)
- Student loans outside plan. (LANGUAGE ADDED)

Plan proposes: $1,300 x 60 beginning 8/1/2026, 100% plan
Payments: 1/2, arrears $1,300
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17700 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $12.00
AS OF 9/4/26 (SF) UPDATED


RECOMMEND $665 X 1 (BEGIN 8/1/26); $677 X 59 (BEGIN 9/1/26) BASE W/MIN DIV OF $635 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY


Trustee objection:
- The debtor has insufficient income.

- Bank statements for TD Bank acct from 5/2/26-7/2/26. (RECEIVED. THIS IS A JOINT ACCT WITH DAUGHTER. THE BALANCE WAS $1291.39 IN ACCOUNT ON 7/2. ) NONEXEMPT EQUITY IS $635


Plan proposes $665 x 60 Base Plan
Payments: 1/2 Arrears: $665

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification .
- Bank statements from PNC Bank acct#2084 from 6/10/26-7/2/26, PNC Bank statements from accts #2092 and #2105 from 5/2/26-7/2/26 (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Must service Nissan Motor Acceptance if cramming and once mod plan is filed. (DONE)
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17715 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0
As of 9/1/26 (DS): 341 sched 9/10/26, must submit conf adj request
LL MFR 9-9 IF GRANTED DISMISS OR DENY PLAN IF DEBTOR HAS OTHER REASON TO PROCEED / LL MFR GRANTED 9-9-
DISC WITH ATTY PART 10
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17742 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 2 required payments   Arrears: $0
9/9/26 (sf) Per atty ok to dismiss. No homeowners ins. provided.


As of 9/2/26 (DS): 1. Trustee obj to the following:
- Must provide homeowner insurance with personal liability coverage and Certification from co-debtor regarding additional income that is generated for the household.
- Need a tier plan when pension loan payment $823 ends in month 28.
- Excessive expense for home maintenance $350.
- The current Plan was not filed in good faith, plan propose 0% when there is non-exempt equity $620,591 in the residence. Add to confirming order non-exempt proceeds from sale of residence to Trustee.
- Must provide service to Asset Acceptance and Vanz, LLC listed in Plan motions.
- Capital One Auto filed bifurcated claim, arrears $853.90, secured $10,613 and unsecured $5,502.46. Plan treated creditor outside with no arrears owed. Claim needs to be resolved.
- Add to confirming order fee app within 7 days from confirming order.
- Must file Pre-confirmation certification.

2. Amboy Bank (ELIZABETH HOLDREN) obj that both mortgage arrears on property are not listed in plan, plan list no arrears. Claim filed with arrears owed 1st mtg $14,765.60 and 2nd mtg $39,547 and does not propose that the arrears will be paid upon the sale of the property. Must resolve obj.

3. Must resolve IRS estimated tax claim, 2020 Tax return not filed.

4. Plan has property to be sold by 10/6/26, Zillow shows property for sale. What is the status on sale? Is there a contract? May need a mod plan to extend the sale.

Prop Plan $200 x 36 begin 8/1/26; 0% and Sale of Five Points Rd by 10/6/26
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17744 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $6,500.00
AS OF 9/8/26 (SF) Debtor sent payment to attorney. Will adjourn for two weeks for payment to post. If received can adjourn to October.


1. Objection filed by Federal Credit Union (Lubin) - The first mortgage held by Secured Creditor matured on December 1, 2025. The second mortgage held by Secured Creditor will mature on June 25, 2028. Secured Creditor objects as the Debtors' Plan fails to propose an interest rate at which Secured Creditor's claims will be paid over the life of the bankruptcy

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

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

- A copy of the homeowner's insurance renewal declaration - policy provided coverage to 11/14/2026, if not confirmed need policy renewal

-There is $453,655.77 non-exempt equity in house.



Plan proposes $6500 x 60 100% Plan
No Payments: 0/2 Arrears: $13,000
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17765 / MBKAndy Winchell, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/8/2026 (at):

MODIFIED PLAN FILED AND SCHEDULED FOR 9/30/2026.

RECOMMEND: $400 PAID TO DATE, $7,500 x 58 BEGINNING 10/1/2026, BASE
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.
(DISPOSABLE INCOME IS $8,857)

Trustee's objection:
- The debtor has failed to file a feasible plan - The IRS filed a secured claim for $314,049.47.
APOC FILED
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$900/month for child care/education
$500/month for transportation
$726 & $705/month car payments
Need proof of expenses 10 days prior to confirmation.

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for non filing spouse. (RECEIVED P&L FOR SPOUSE - APRIL - JUNE MONTHLY AVERAGE INCOME IS $18,400/3 = $6,133.33)
- Need June and July bank statements for Manville FCU account. (RECEIVED)
- A Modified Plan that addresses the time share as surrendered (MODIFIED PLAN FILED)
- The debtor must provide updated proof of auto insurance for the 2022 Dodge . The policy provided expires on 8/11/26. (RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $2,724.18. (WITH SPOUSE'S INCOME, MONTHLY DISPOSABLE INCOME IS $8,857)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANUGAGE ADDED)

Modified plan before confirmation proposes: $400 x 2 beginning 8/1/2026, $900 x 3, $1,400 x 31, $1,900 x 24, base
Payments:; 1/2, arrears $400
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17778 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0
As of 9/4/26 (DS): Ok to confirm at $500 x 60 begin 8/1/26; Base with a min. div. $11,687 due to non-exempt equity
- Section 4b to be stricken, Toyota Financial to be treated outside, claim filed with no arrears owed, Plan proposed to pay $7,000 arrears.
- Within 7 days must file Pre-confirmation certification.
- C/O with Citimortgage to pay arrears within 15 days from confirming order.

1. Trustee obj there is non-exempt equity $11,687 and must file Pre-confirmation certification.

2. CitiMortgage (CORY WOERNER) obj that arrears owed are more, POC filed with arrears $11,395.04. COTBS pay POC arrears

3. Toyota did not file arrears claim, recommend striking and treating claim outside.

Prop Plan $500 x 60 begin 8/1/26; Base
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17795 / MBKMichael P. Otto, Esq.Confirmation Hearing ScheduledContinued
12/2/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,108.00
As of 9/4/26 (DS): Debtor atty requested adj, request denied, need updated homeowner insurance expired which 8/25/26.

341 sched 9/17/26
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17809 / MBKMichael P. Otto, Esq.Confirmation Hearing ScheduledContinued
10/21/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 9/8/26 (DS): Debtor atty requested adj to allow time to resolve all obj

As of 9/4/26 (DS): Objection with both creditors must be resolved by all parties via email notice to paralegal to pay arrears recommend confirming at $525 x 60 begin 8/1/26; Base
- Within 7 days must file Pre-confirmation certification.
- Claim#8-1 of TD Bank to be treated outside, no arrears owed with consent order within 15 days.
- Claim#9-1 of SN Servicing arrears $3,317.84 to be paid by Trustee with consent order by creditor within 15 days.

1. TD Bank (DUANE MORRIS, LLP) obj to TD Bank a secure mortgage loan on the property not in plan, POC filed with no arrears. Must resolve obj.

2. SN Servicing (LAUREN MOYER) obj to arrears owed are more, POC filed with arrears $3,317.84. Must resolve obj.

Prop Plan $525 x 60 begin 8/1/26; Base
Note: There is no equity in the residence, POC filed higher and 2nd mortgage claim filed by TD Bank. Disposable income no issue, income is partial social security and contribution from ex-spouse.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17826 / MBKJeffrey S. Walters, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/8/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $945
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17831 / MBKBruce Radowitz, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/2/2026 (at):

RECOMMEND: $1,000 X 60 BEGINNING 8/1/2026, BASE
- Claims will be paid according to the trustee's order of distribution.
- Preserve non exempt equity of $23,829 in the residence.

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 - for 2025. (NOT RECEIVED)
- Balance statement from CoinBase acct and American Income Life Insurance statement prior to filing date. (RECEIVED - LIFE INSURANCE WORTH $1,627 AND COINBASE IS $10.44)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Auto insurance $275 (verifies $215), IRS $49 and Car payment $780. Must provide proof that IRS is being paid monthly. (RECEIVED)
- The circumstances and contents of the debtor's Plan, when taken in their totaility, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
Plan fails to propose the non-exempt equity.
- 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 $23,829, Bank accts $4,135 (after deducting the remainder d(5) $1,455 total in acct is $5,663) and pending CoinBase and Life insurance statements. (LANGUAGE ADDED FOR REAL ESTATE)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)

Plan proposes: $1,000 x 60 beginning 8/1/2026, base
Payments: 2/2
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17864 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 2 required payments   Arrears: $1,135.00
As of 9/3/26 (DS): Ok to confirm at $1,135 x 2 begin 8/1/26, $1,146 x 58 begin 10/1/26; Base with a min. div. $47,142.81 and reserve $40,955 due to non-exempt equity and add to confirming order Trustee ok to pay arrears claim#8-1 of JPMorgan Chase $2,261.88

1. Trustee obj there is non-exempt equity in the residence $40,955.

2. JPMorgan Chase in plan as Dovenmuehle filed arrears claim $2,261.88. Trustee ok to pay?

Prop Plan $1,135 x 60 begin 8/1/26; Dollar Base $47,142.81
Note: POI from p/t job provided.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17891 / MBKStacey L. Mullen, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17937 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
9/30/2026 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $1,000.00
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-17940 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
12/2/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 9/8/26 (DS): 341 resched 9/17/26, must request confirmation adj at hearing.
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-18020 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0
As of 9/8/26 (DS): Ok to confirm at $443 paid, $448 x 58 begin 10/1/26; 0%

Prop Plan $443 x 60 begin 8/1/26; $0
Note: Amended Attorney disclosure filed 9/4/26 to correct atty fees per plan. POI from new job provided
Email InquiryRequest
Adjournment
9/9/2026 10:00 am26-18035 / MBKMatthew Gross, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0
ns
As of 9/1/26 (DS): 341 sched 9/3/26, still missing docs, also no Trustee payments made, Debtor in arrears $6,932, made 0 out of 2 payments.
Email InquiryRequest
Adjournment
9/9/2026 11:00 am26-19185 / MBKAndrew G. Greenberg, Esq.Order Show CauseWithdrawnFailure to File Missing Documents. Missing Documents: Summary of Assets/Liabilities and Stat Info, Declaration About An Individuals Scheds, Statement of Financial Affairs For Individuals, Chapter 13 Disclosure of Attorney Compensation (LOCAL FORM), Statement of Your Current Monthly Income & Calc of Commitment Period(122C-1), Calculation of Your Disposable Income (122C-2) - If Applicable, Ch. 13 Plan and Motions (LOCAL FORM), Schedules A/B,C,G,H,I,J,
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm22-17388 / MBKJustin M. Gillman, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm23-12142 / MBKAndrew Thomas Archer, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm23-17055 / MBKKarina Pia Lucid, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm25-10860 / MBKAndrew Thomas Archer, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm25-15533 / MBKJames J. Cerbone, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm25-19542 / MBKJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm25-22489 / CMGJoan Sirkis Warren, Esq.Motion CompensationContinued
9/16/2026 12:00 pm
CH 7 TRUSTEE
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm25-23382 / MBKJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm26-12295 / MBKJames J. Cerbone, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm26-13180 / MBKMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm26-13190 / MBKJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm26-15524 / MBKJustin M. Gillman, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
9/9/2026 2:00 pm26-17737 / MBKPRO SEOrder Show CauseContinued
9/11/2026 1:00 pm
AR NOTE NO 341 DOCS , NO PLAN
AMT: BENCH ORDER ISSUED 8/3 FOR DEBTOR TO PRODUCE ALL DOCS TO COURT & TRUSTEE BY 8/17<>

Failure to File Missing Documents. Missing Documents: Summary of Assets/Liabilities and Stat Info, Declaration About An Individuals Scheds, Statement of Financial Affairs For Individuals, Statement of Your Current Monthly Income & Calc of Commitment Period(122C-1), Calculation of Your Disposable Income (122C-2) - If Applicable, Ch. 13 Plan and Motions (LOCAL FORM), Schedules A/B,C,I,J,
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes