ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 9/16/2026
Last Updated: 9/4/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am21-18613 / CMGBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnDebtor obj, will pay<>ARREARS cured

MK:as of 8/31/26 3 mos left and plan balance 1854
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am22-15397 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyOrder to be Submitted8/28 AMT: ORDER TO CHAMBERS/7 DAY<>

amt: $38,490 ptd (49); $2,790 x 14 beg 9/1/26, pl ext 63 mo (email to parties)<>

ARREARS DUE TO NOT PAYING CONDUIT ORDER TIER, DEBTOR ADVISING MTG PD DIRECT TO LENDER; LENDER HAS FAILED TO PROVIDE UPDATED MORTGAGE ARREARAGE FOR AMENDED CONDUIT ORDER
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am22-19814 / EJOCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Continued
9/23/2026 9:00 am
Debtor obj, will pay to cure default<>SANTANDER (GROSS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-10013 / CMGKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-11025 / CMGCharles D. Whelan, III, Esq.Motion SellNeeds Resolution of Issues - ObjectionsMOTION FOR SALE OFPROPERTY #71



Trendmaker Homes limited obj( Hill Wallack);Wants order to specifically state that their lien will be paid off at sale
Police & Firemans's response (Pluese)<>wants the lain payoff specifically addressed in the order

>>mk NEEDS A REVISED ORDER ADDING SPECIFIC LANGUAGE IN PART P ADDRESS THE 2 CREDITOR LIEN AND PAY OFF OF SAME BY PROCEEDS OF SALE<

MK obj to retention appl of debtor's atty in that the fee he is charging is flat 4,000- ATTY HAS FILED A FEE APP - 9/16/26 SO NOW OK

Plan confirmed at 100% and will be paid off at sale

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-12441 / CMGBruce C. Truesdale, Esq.Motion Approve Compromise or Settlement Under Rule 9019Recommend Grantingmk: net recovery 7,960- exempt

sp counsel retained


MK :objection #47 filed for the fee app at Docket42 and not this motion
fee app was granted
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-14656 / CMGLee M. Perlman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsPEREMPTORY for 9/16

adj request uploaded by creditor from 7/15 to 9/16 to allow LM to complete

Debtor obj<>FREEDOM MTG (BROCK)

Lm under review

plan has expired 36 mos- Completed 36 mo plan- no pre pet. arrears on Mtg claims and confirmed w/ a LM - NOW in closing audit

CASE confirmed w/ lm and MFR pending since FEB

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-16100 / CMGHerbert B. Raymond, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsPEREMPTORY TO 9/16

atty says debtor can cure and seeks adj to 8/26 to do that


AMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (RAS)

MK Post pet due is 13,646.01 as of June
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-16364 / CMGRobert Cameron Legg, Esq.Motion SellNeeds Resolution of Issues - ObjectionsPROPERTY #81



mk realtors and SP Counsel for closing ( flat fee)retention Appl filed

TR Obj: Sale K is for 360,000 there are 2 mtg liens on the property that have balances of 301,399 and 83,231,90 THE ORDER SAYS LIENS WILL BE PAID IN FULL BUT THEY WILL NOT AT THAT SALES PRICE

atty fees need a fee app for 1200 for debtor's atty for services on this motion
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-16364 / CMGRobert Cameron Legg, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN PP DEBT


mk: says motion to sell will complete plan
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-18485 / CMGKevin C. Fayette, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, made pymt<>FREEDOM MTG (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-18624 / CMGBrian S. Thomas, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>FAY SERVICING (KNUCKLES)

debtor says working on resolving
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-20647 / CMGAllen I. Gorski, Esq.Motion File Claim After Claims Bar DateNeeds Resolution of Issues - Objectionsadj to 9/16 for Creditor for file a reply

as of 8/24- no response filed by creditor. debtor says needs judge

creditor to file a response to debtor opp'n

Debtor obj<>MTN ALLOWING LATE POC OF ROBERT ARTIFICIO
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-12317 / CMGMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee Order8/28 amt: $ 22,615.97 ptd (29); $878 x 26 beg 91/2/6; $1,675 x 5 beg 11/1/28 ( atty ok)<>


8/27 AMT: SAME RECAP AS BELOW/PTD INCLUDES 8/24 PYMTS - ANOTHER EMAIL TO ATTY)<>

adj to 9/16 $ posted today 8/26 and redo recap

AMT: PPSD TR ORDER - $ 22,615.97 PTD (29); $878 X 26 BEG 9/1/26; $1,675 X 5 BEG 11/1/28 (EMAIL TO ATTY)<>

Debtor obj<>ARREARS 2,633.03 as of 8/19/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-13206 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsamt: MP 9/16<>

Debtor obj<>ARREARS 1,952.10 as of 6/12/26.



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-14829 / CMGJames J. Cerbone, Esq.Motion SellNeeds Resolution of Issues - ObjectionsPROPERTY #1209
case arrears 2,016 last pay March

mk: This property had SV in 2/18/26 and was surrendered in full satisfaction in the confirmed plan 6/3/26 then in August files this motion to sell it

TR objection: Conf order says 552(d)(1) exemption shall be limited to $27,900 due to sole ownership by debtor-SO CAN'T TAKE 31,575
NE proceeds


First confirmed 2/5/25:$3118 PTD (9 MOS) $602 X 51 BEG 3/1/25 ; BASE W/MIN $8,575 TO GUCS ; ATTY FEE $2560/$4750 ; STUDENT LOANS O/S ; 522(d)(1) EXEMPTION SHALL BE LIMITED TO $27,900 DUE TO SOLE OWNERSHIP BY DEBTOR.

Then MP confirmed 6/3/26:Residence has been surrendered and income has decreased. Debtors may consider converting the case. OTHERWISE, TO CONFIRM THE DEBTORS NEED $9,562 PTD, THEN $504 x 36 STARTING 6/1/26, BASE PLAN WITH $8,575 MINIMUM THRESHOLD TO GENERAL UNSECURED CREDITORS PRESERVED, SALLIE MAE STUDENT LOAN POC (13-1) SHALL BE TREATED OUTSIDE THE PLAN***
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-15091 / CMGJeanie D. Wiesner, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsMTN SUSPEND TRUSTEE PAYMENTS

TR objection : needs to make $100 payment for the 6 moths and then recap will begin March 1 not April 1 2027
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-15636 / CMGJeanie D. Wiesner, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>ROCKET MTG (HLADIK)

3rd hearing date


:The Debtor is listing the property for sale and needs time to hire a realtor and prepare listing agreement.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17222 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, pending offer with short sale<>FAILED TO SELL BY 6/30/26; ARREARS

mk per atty - realtor working on a short sale needs Motion adj to 9/16
filing a MP
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17222 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> HYUNDAI CAPITAL ( eisenberg gold)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17357 / CMGMichelle Lee, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS 3,240; ATTY FAILED TO FILE SUPP FEE APP FOR FEES PPSD IN MP CONF'D 11/26/25
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17808 / CMGJeanie D. Wiesner, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, will make pymt & requests recap<>FREEDOM MTG (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-18161 / CMGMelinda D. Middlebrooks, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> NISSAN (sTEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-18903 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledWELLS FARGO BANK (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-19013 / CMGJustin M. Gillman, Esq.Motion Reinstate StayNo Opposition FiledMTN REINSTATE STAY/ARVEST BANK
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-19013 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objections8/24 mk atty says:We will file the Modified Plan as well to pay 100% to GUCs and treat Arvest outside Plan per loan modification. Final Trial payment is due in September so should be resolved.

motion to reinstate the stay on for 9/16.

Debtor obj<>SV/ARVEST - ARREARS

debtor motion to reinstate stay on 9/16/26

MK Debtors have been just been offered a Trial LM since the SV and atty will file the motion to reinstate and MP

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-19897 / CMGCarlos D. Martinez, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj,<>ARREARS 6.690 as of 9/1

MP now on 9/16
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-22348 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsamt: trustee conduit request<>

Debtor obj<>LAKEVIEW LOAN (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-10698 / CMGPRO SEMotion Relief from Stay (Fee)No Opposition FiledAVALON OLD BRIDGE (GRIFFIN ALEXANDER)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12256 / CMGScott E. Kaplan, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>NEWREZ (McCalla)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12687 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultOrder Previously Submitted8/13/26(mk) Order submitted resolving Terms arrears of 11,609.71 to be paid at sale of real property to be completed in 90 days

>>No conduit now


mk home listed on MLS and application to retain realtor filed 8/4/26


adjourned to 8/5 : creditor wants more payments to post


AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> FREEDOM MTG ( Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12687 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMK Motion to Sell real Prop. OST for 9/1/26



amt: MP #66 is the latest plan (mk) 8/5

MP on 6/24 ** plan denied**<>MP FILED AND ON FOR 8/5/26

Debtor obj<>FAILED TO SELL BY 3/1/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12707 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> MIDFIRST BANK (KML)

9/1/26(mk) atty says:debtor has been offered a trial period for a stand-alone loan modification, so as long as he successfully makes the payments, then this arrears will be resolved from that.

creditor( M. Fissel) to verify this with his client.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12735 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 9/16 **<>



debtor obj<>FAILED TO REFI BY 4/1/26

MP filed to cure on 7/15/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12735 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> NEWREZ ( Hill Wallack)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-13554 / CMGRobert Cameron Legg, Esq.Motion SellNeeds Resolution of Issues - ObjectionsPingora Loan limited response (mcCalla); First Atlantic FCU obj (Saldutti)<>PROPERTY #536


MK Plan confirmed 7/2 at 100% w. min 50,837 die to equity( guc claims total 46,278

Atty wants total fees for work in the case and motion to be paid at sale 2,100 Notice of sale has atty fee 1,200- is that for the closing? then extra fees 2100 this atty took over the case form another atty

sale K 347,500
realtors appointed

PPSD Order has pay balance dues on plan which will v eb 100%
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-13866 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP #42 on 9/16


ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-14119 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsparties working on resolving

Debtor obj<>PNC BANK (MARTONE)

DEBTOR ASSERTS PAYMTS TO OTJERPNC ACCT
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-14362 / CMGPRO SEMotion Dismiss CaseNo Opposition FiledTR rec'd sale proceeds- WAS CREDITOR PAID OFF?

8/25/26(mk) heard from closing atty and property closed waiting for funds to post


mk email to debtor- 7/30/26

house should have sold on 7/15


mk adj 1 final time to 8/5 to allow sale to close

adj to 7/15/26 and mk to send debtor form of sale order and application for shortened time for new sale motion to be heard 7/15/26


as of 6/23/26(mk) - DEBTRO HAS NEW K OF SALE AT $430,000 nO ORDER FOR SALE - SHE EMAILED COURT ,TR AND CREDIOTR A COPY OF THE MOTION- NOT THE PROPER FORMAT

5/4/26(mk) Creditor letter to CT says sale fell though and will be pushing for dismissal- debtor says sale did fall though due to inspection report



MK :sale motion granted 4/22- debtor needed to submit the proper form of order which was sent to her


CREDITOR ,SRB FAMILY TRUST MTN TO DISMISS (hoenig & Greenberg)

>>SALE MOTION ON 4/22/26 . debtor needs TR payoff letter



1/28/26(mk) sent atty email about this hearing and debtor required to file a response to motion and have filed realtor retention papers

2/5/26(mk) debtor sent email and uploaded appl for retention of realtor and listing agreement and Opp'n to this motion. TOLD HER MUST BE FILED WITH CT.
She also said sent her opp'n the the motion to Dismiss to atty Greenberg

There is non exempt equity in the real property of $$230,162 and the plan is 100% - has creditor to be paid from sale and 100% GUC claim total $19,464.41
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15067 / CMGHerbert B. Raymond, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAR NOTE REC THAT DEBTOR BE CURRENT AS OF 9-16 INCLUDING SEPT PYMT , LENDER AGREES , DEBTOR ATTY UNABLE TO COMMIT
Interim order submitted 7/27 and makes a next hearing date of 8/26
9/3: Tr arrears 6496
debtor says will be current by this friday 8/24


6/24/26:creditor wants interim order calling for a total cure by a date in July

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (Friedman Vartolo)

debtor does not want conduit: Debtor is current through July, August's payment plus august stip payment will be paid on the 28th, bringing the account entirely current post-petition. Therefore no conduit is necessary. The mortgagee may be agreeable to resolve or adjourn based on same, but from my understanding the adjournment las time was peremptory. So if we appear in court, I will reiterate that debtor will be entirely current in 2 days
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15067 / CMGHerbert B. Raymond, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will make pymts<> ARREARS 6,496
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15139 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $ 13,796 PTD (15); $ 1,425 X 3 BEG 9/1/26; $ 3,000 X 42 BEG 12/1/26 ( ATTY ok)<>

8/24/26 debtor made payments - need to post

Debtor obj, made pymt<>ARREARS 5,227 last pay 4/3/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15260 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections8/25: atty says debtor is current post pet Maria Cozzini is verifying this and that Aug. payment has posted-should be w/d

amt; trustee conduit request<>

Debtor obj<>LAKEVIEW LOAN (STERN LAVINTHAL)
Email InquiryMatter ResolvedRequest
Adjournment
559/16/2026 9:00 am25-15260 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: Mp 9/16<>

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15844 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsmk:Creditor (Silver Hill Cap- R. Lebron)Cert.of default filed8/31/26- due for July and August total 5,346


adj. 9/16 and 3,000 has to post and recap and any further default adjD w/ 2 yr bar

8/25: 3rd hearing date. per atty says has copy of ck for 3,000 and debtor will pay more next week wants to recap

8/18/26(MK) arrears 12,435 recap NOT FEASIBLE

payment made in July but now in August and arrears back up to 12,435

7/13/26 mk debtor has payments in transit and they need to post to see where we are and if a recap is possible


Debtor obj<>ARREARS 12,435

Last payment was May 7 2026

mk: debtor says made recent payment and wants a recap but payments would go up to 2,665 x 49- not s feasible given the ack of income

5/21/26(mk): per atty debtor has new higher paying job atty to submitted amended I & J and update pay
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-16474 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> ATLANTIC FCU ( Saldutti)
car lease
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-16735 / CMGCandyce I. Smith-Sklar, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder Previously SubmittedMk : order submitted 8/27


adj to 9/16 to see if atty can work out issues w/ title co.

8/25/26:mk needs revised order - sent atty an email

MTN DISBURSE EXEMPT FROM SALE

>atty says not a request to close early will be filing a MP to continue to pay

mk: Case is below median We are only in Month 14. There we no non exempt proceeds form sale according to Tr audit as claimed exemption on sch C was 31,575. AMENDED C FILED FOR 18,091.42 It appears debtor is proposing turning over exempt proceeds to tr of 18,091.42 the $10,100 to Tr to pay Lafayette and be done with the case. CASE CANNOT BE CLOSED IN LESS THAN 36 MOS. WHEN THERE IS NOT A 100% PAYOFF.
THIS MOTION ATTEMPTS TO CLOSED THE CASE EARLY


WE HAVE THE HUD AND THE PROPERTY CLOSED- according to this motion

MK:
property sold and this motion provides debtor gets their exemption of 18,091- THE EXEMPTION CLAIMED WAS 31,575 PER THE AMENDED C

THE SALE ORDER AT #60 Funds to Lafayette of 10.560 - THESE ARE SUPPOSED TO COME TO TR TO PAY THEM. ORDER SAYS TO BE PAID PER ALLOWED POC OF 10,560- POC actually for 10,100


although the motion says net proceeds of sale of 28,651.42 to Trustee THE ORDER DOES NOT and then legal fee of 950- HUD HAS 1,800 to atty to debtor and then debtor gets balance atty per fee application

Case is below median We are only in Month 14

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-16874 / CMGJoseph Casello, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-17277 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP on 9/16<>

MP on 4/1>was plan denied


Debtor obj<>PLAN DENIED AND FAILED TO FILE MP IN 14 DAYS

debtor in trial LM- filing a MP

debtor in a trial LM last pay due 7/1 creditor cert adj to July




Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-17373 / CMGEdward Nathan Vaisman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTRUIST BANK (McCABE)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-17419 / CMGJohn Zimnis, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, made pymts<>ROCKET MTG (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-18540 / CMGAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/US BANK; AREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-18911 / CMGEric J. Clayman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - ObjectionsMOTION TO VACATE DISMISSAL FILED BY DEBTOR

>>atty has filed a motion to w/d from the case and that is on 10/7/26

MK dismissed after conf on TR motion on 7/15 Arrears 7,603
as of sept arrears will be 10,361 How is this even feasible?? Haven't made anywhere near the full payment when 1 is made. Bad pay history.

Plan confirmed at 100% die to equity in real property of 155,962
guc debt is only1,073.48
Mtg arrears 65,812.83
46 mos. remain as of July so by Sept 44 mos

co-debtor had hardships nwo back on track - has new job and chance for 2nd job as prior employer
debtor seem to still be employed
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19001 / CMGAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)No Opposition FiledINDIAN HEAD NORTH ASSOC (McGOVERN)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19112 / CMGThomas G. Egner, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, requests recap<>M&T BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19226 / CMGPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsadj to 9/16 to see if close

Debtor obj, Bank of NJ response (Padgett)<>FAILED TO SELL BITTERSWEET RD PPTY BY 6/3/26

MK: SALE MOTION ON 8/5/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19240 / CMGDavid G. Beslow, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, made pymt to cure default<>SELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19590 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections9/16 and if no refi that creditor approves then this will be G


Debtor obj, pending LM<> PENNYMAC (Fein Such)

debtor denied for a Lm and due for 5 payments for 9,101
creditor opposes confirmation and seeks stay relief

debtor says has a refi ready and wants a short adj to see if can work
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19590 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP on 9/16 extends LM to 12/1/26


Debtor obj, filing MP<>FAILED TO LM BY 6/22/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-20916 / CMGRussell L. Low, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledUS BANK NAT'L ASSOC (STERN & EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21074 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21298 / CMGScott D. Sherman, Esq.Motion Prospective ReliefNeeds Resolution of Issues - ObjectionsDebtor obj>>M&T BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21809 / CMGMichael L. Detzky, Esq.Motion Relief from Stay (Fee)No Opposition FiledEXETER FINC (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21924 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, will make pymt<>BANK OF AMERICA (DANA MARKS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22266 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22303 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, in trial lm<>FAILED TO LM BY 5/19/26; ARREARS 15,360
Trial Lm begins in August
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
9/23/2026 9:00 am
Trustee obj<>MTN OBJ TO POC #9/FOUNDATION FINANCE
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22866 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 9/16<>

Debtor obj<>PLAN WAS DENIED 5/13/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22905 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsALLY CAPITAL (STEWART) 2018 Nissan

debtor filed oppn
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23037 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23139 / CMGKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23285 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition Filed100% PLAN NOT FEASIBLE DUE TO ALLY CAPITAL AMENDED DEFICIENCY POC #1-2
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23741 / CMGEric J. Clayman, Esq.Motion Withdraw As AttorneyWithdrawn
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23741 / CMGEric J. Clayman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>THE BANK OF NEW YORK MELLON (PADGETT LAW)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-10525 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 9/16<>

PLAN WAS WITHDRAWN ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11096 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections9/1/26(mk) atty advises that debtor is going to MP to sell home


AMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>US BANK ( RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11202 / CMGPaul N. Mirabelli, Esq.Motion Relief from Stay (Fee)No Opposition FiledLAKEVIEW LOAN (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11286 / CMGEugene D. Roth, Esq.Motion Relief from Stay (Fee)No Opposition FiledBRIDGECREST CREDIT (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11371 / CMGAndre L. Kydala, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 8/5/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11474 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objectionsmk: creditor says checking on recent payments but is Ok marking OTBS


9/1/26:MK case was confirmed in 6/2026 at a Base and paying arrears to mtg co and NO LM LANGUAGE

Debtor atty says: This is a loan modification case that we are handling through DMM portal. Additionally, we sent proofs to opposing counsel that debtor is current through September


AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, current<>MTGLQ INVESTORS ( Padgett)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-12639 / CMGNicholas Fitzgerald, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<> PLAN DENIED ON 8/5/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-12701 / CMGEdward Nathan Vaisman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>ALLIANT CREDIT UNION (KML)(2nd Mtg - HELOC) on #373

working it out
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-12815 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 9/16<>

PLAN WAS WITHDRAWN ON7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13125 / CMGRobert C. Nisenson, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnMTN EXPUNGE CLM OF FREEDOM MTG

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13129 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 9/16<>


PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13232 / CMGDavid G. Beslow, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>LOANDEPOT.COM (FRENKEL)

opp'n #35


Order approving sale of property entered 8/31/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Motion Relief from Stay (Fee)No Opposition FiledCREDIT ACCEPTANCE (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE REAL-TIME SOLUTIONS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13383 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 6/24/26 AND FAILED TO FILE MP
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13479 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)No Opposition FiledPENNYMAC LOAN (POWERS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13495 / CMGFilipe Pedroso, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 9/16<>


PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13609 / CMGPeter E. Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN ALLOW LATE CLM
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13852 / CMGDonald C. Goins, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>UMB BANK NAT'L ASSOC (ROMANO)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14001 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, requests recap<>CITIZENS BANK (McCABE)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14077 / CMGYakov Rudikh, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE CLM 9-1 REAL TIME RESOLUTIONS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14160 / CMGAllen I. Gorski, Esq.Motion Extend TimeNeeds Resolution of Issues - ObjectionsCONFIRMATION 9/16/26

:Interim Order extend stay 7/15 to 8/26 to 9/16 coincide with confirmation. Please mark calendar adjourned to 8/26. DuPont's office to submit interim order.


6/17/26(mk order submitted extending stay and adj this motion to 7/15/26


Credit Union of NJ obj (McKenna)<>MTN EXT STAY

MK plan and all sch filed 341 dox provided

conf on 6/24- NO 341 hearing at prior 341 it could not be completed dur to debtor's technical issues 341 has not been rescheduled as of 6/15/26

341 ON FOR 7/30/26

CONFIRMATION 8/26/26>>ISSUES
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14664 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>RUSHMORE SERVICING (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14977 / CMGJuan C. Velasco, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
10/7/2026 9:00 am
AMT: MP 10/7

Debtor obj, mp filed<>PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14977 / CMGJuan C. Velasco, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsMTN OBJECTING TO CLM#8 OF SBA

TR OBJ:9/1/26- still no proof of proper service on creditor SBA

MK:8/7 - no cert of service - ct filed on docket a quality control message Review again in a week to see if it was filed- reminder set
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-15283 / CMGMoshe Rothenberg, Esq.Hearing Scheduled (Document)Needs Resolution of Issues - ObjectionsTrustee obj; atty response <> ATTY REQUEST FOR FEES


TR asked debtor atty to: Submit a certification of time expended with time records and benefit to the debtor or the estate and I will review

atty reply is ECF #23- it is a Letter not a certification and does not answer Tr question
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-15442 / CMGMatthew Gross, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledUS BANK TRUST (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-15494 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 8/5/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-16692 / CMGErik Frins, Esq.Motion Relief from Stay (Fee)No Opposition FiledRUSSO HT URBAN RENEWAL (EHRLICH, PETRIELLO)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-17113 / CMGJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, will pay<>BRIDGECREST CREDIT (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-17536 / CMGAndre L. Kydala, Esq.Motion Relief from Stay (Fee)Moot - DismissedUS BANK TRUST NAT'L ASSOC (KNUCKLES)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-17660 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE FINC (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-18646 / CMGRobert Cameron Legg, Esq.Motion Extend TimeNeeds Resolution of Issues - Objectionsinterim order to 9/16

Fay Servicing response (Friedman Vartolo)<>MTN EXT STAY

341 held 8/27/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-18761 / CMGAndrew M. Carroll, Esq.Motion Impose Automatic StayNeeds Resolution of Issues - Objectionsinterim sch order for 9/16 and 341 must be ready for 9/24


MOTION TO IMPOSE THE AUTOMATIC STAY


Plan filed- crams a car and base dividend
schedules filed
no 341 dox-
first payment due Sept.

should be a motion to extend the stay. There was 1 case in last year

MTN IMPOSE STAY
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19396 / CMGThomas G. Egner, Esq.Motion Extend TimeNeeds Resolution of Issues - ObjectionsUS Bank obj (Plese Becker)<> MTN TO EXTEND STAY


3rd in last 2yrs- has not overcome presumption of bad failth
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19410 / CMGYakov Rudikh, Esq.Motion Impose Automatic StayNo Opposition FiledMTN EXT STAY ALL CREDS

mk:2nd filing last case dismissed after conf. arrears over14,000

Last case was 100% due to equity in Real property. This case proposes a Base 3000 x60

This case also has to be 100%
guc claims in last case total 60,470.88
equity in this one way over 180,000
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19639 / CMGMitchell Lee Chambers, Jr., Esq.Motion Extend TimeNo Opposition FiledMTN TO EXTEND STAY

MK atty fled the motion under law office of Mitchell Chambers- WE HAVE HIM AT THE KEAVNEY FIRM WHICH IS IT?
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19695 / CMGLee M. Perlman, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST>>


MTN TO EXTEND STAY
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19814 / CMGRobert Cameron Legg, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsMTN TO EXTEND STAY
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am23-10192 / CMGPaul H. Young, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 41 of 44 required payments   Arrears: $0
As of 9/1/26(mk)


**CAN REC CONFIRM AT 27,709.50 PTD No more payments due**

Plan has run 44 mos
debtor now negative income and below median
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am24-13206 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 30 required payments   Arrears: $20,625.00
9/16 for mumbers on 2 order

AS of 8/19/26(mk)- email to atty s for order and Amount of of post pet so i can work it up both orders for 8/5 have not been submitted as of today


1. The Cert of default by Flagship credit (B. Craig- OTBS from 8/5 arrears thru July cured in Plan, NEED AMOUNT TO BE PAID Plan has 7,017.64- IS THIS ACCURATE?

2. OTBS from 8/5 on MFR by Wilimington Sav- Lm mod complete are there any post pet to be added to plan


MP #109 Prop $1,356 x 6 begin 6/1/26; 100%
- Adds post-petition arrears owed to Flagship and additional attorney fees.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am24-19897 / CMGCarlos D. Martinez, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 14 of 23 required payments   Arrears: $6,690.00
AS OF 9/3/26 (mk)

3rd hearing date . same issues

1. The plan proposes to pay Valon Mortgage $12,000. There is no claim filed (NEED EXPLANATION) (The Trustee will not pay a per plan claim without a timely filed claim or order)

2. Trustee motion to dismiss 9/16 at 9


MP proposes $1400 x 42 remaining months; Base w/min div of $41,717.88 to gucs
Plan has run 23 months with 37d removes Dovenmuehle Mtg as unaffected
Arrears: $6960
in 9/25 payment was to increase form 870 to 1440 and debtro kept paying the 870 until June 2026 so that is what the arrears kept rising

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am24-21559 / CMGRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 57 of 22 required payments   Arrears: $3,102.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-11199 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 13 of 19 required payments   Arrears: $1,013.00
AS OF 9/4/2026 (JMA)

OK TO CONFIRM AT $13,504 PAID TO DATE, $1,178X41 BASE PLAN
Email InquiryMatter ResolvedRequest
Adjournment
919/16/2026 10:00 am25-12687 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 15 of 18 required payments   Arrears: $1,500.00
AS OF 7/30/26 (SF)


1. Creditor Cert of Default scheduled for 8/5/26 at 9 (ORDER SUBMITTED) NEED ORDER

2. Trustee motion to dismiss scheduled for 9/16/26 at 9




MP proposes $7500 PTD, $1600 X 45 100% Plan; Sale by 9/30/26
Plan has run 16 months with 44 months remaining
Now a Sale plan

Realtor appl to retain filed 8/4/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-12735 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 17 of 18 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-13866 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 12 of 17 required payments   Arrears: $10,434.00
Email InquiryMatter ResolvedRequest
Adjournment
1089/16/2026 10:00 am25-15260 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 10 of 16 required payments   Arrears: $4,463.00
be current by 9/16

As of 8/21/26 (DS): 1. Debtor proposed to pay 10 months $250, made 2 payments out of 6, arrears $1,000, per mod plan. Real arrears $3,754 per case.

2. No updated proof of income provided for May and June and no updated contract for hire from school. Income provided is old and contract expired.

3. MFR still not resolved and resched to 8/26.

As of 7/13/26 (DS): 1. Per mod plan payments Debtor is in arrears $1,250. Debtor has not made a Trustee payment since 3/9/26. PER POI INCOME IS INSUFFICIENT VERIFIES $-811.

2. MFR filed by Lakeview Loan Debtor in arrears for post-petition payments $5,700 from April-June. Sched 8/5 need outcome.

3. Must provide 2 months updated proof of income for May and June 2026 from non-filing spouse, only provided expired contract with school. Need proof of income. Spouse should have received an updated contract in April/May. DEBTOR INCOME AND TAX REFUND VERIFIES INCOME IS INSUFFICIENT AT $-811 WITHOUT SPOUSE INCOME. SPOUSE POI PROVIDED LATE 7/14/26 5:15 PM

MP Prop $680 x 2 begin 6/1/25; $709 x 7 begin 8/1/25; $250 x 10 begin 3/1/26; $820 x 41; Dollar Base $33,200
- Loss of income, change in circumstance.
Note: 2025 Tax return and Debtor income provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-17277 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 15 of 14 required payments   Arrears: $356.00
AS OF 9/3/26(mk):


8/25/26 MK :Debtor emails says sent copy of fully signed permanent Loan Mod, including proof of overnight mailing. First payment due September. D also sent copy of MoneyGram receipt confirming $244 paid to TT this afternoon.

work up on plan #47:

>>> Plan has LM BY 8/1/26. apparently debtor in a Trial LM do does creditor agree to make 12/301 the new deadline for LM??or Case is 14 mos old. was originally a LM when first filed then a cure and Now a LM plan again. 2 prior plans both denied. The cram has been an issue from the beginning and still not resolved

1. Objection by Santander(B. Craig:
-objects to cram


Plan: $4880 PTD; $600 X 50; LM 8/2026 (17 DEER RUN DR); BASE
only owes the second 1/2 of the SEPT payment

-----------------------RESOLVED----------------------------
CREDITOR CERT OF DEFAULT (Loan Depot- K. Wilson) on for 8/26/26-WITHDRAWN

FYI Order submitted resolving Loan Depot objection to Confirmation TERMS= pay POC #8 arrears of 41,740.27 VIA A LM by 8/1/26 and pay reg mtg payments directly to creditor
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-19243 / CMGWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $2,444.00
mk per atty - Mark Plan denied and MP in 14 days

7/7/26(mk) email from debtor atty wants to file a MP and asked for consent to adj. I responded that we do not adj soon to be moot plans and this should be marked Plan Denied and MP in 14 days. waiting for his response

As of 5/29/26 (DS): Debtor atty requested adj to resolve all issues

As of 5/29/26 (DS): 1. Trustee obj to the following:
- Must provide info on Debtor raise once he receives it in July and value statement from stocks with Agnico Eagles Mines LTD shares of stocks on Sched B listed as unknown.
- There is non-exempt equity in the timeshare $5,307, 2016 GM Acadia $4,351, 2002 Chevy Trailblazer $1,474, 2007 Chevy Silverado $9,707, 2002 Mallard mobile home $7,000, PNC Bank acct $1,017 and Regional FCU $518 total $29,373
- Debtors over exempt d(5).
- Must file Pre-confirmation certification.

2. Citizens Bank (CAMERON DEAN) obj arrears owed, POC filed with arrears $1,223.95. Must resolve obj.

3. Shellpoint (QUEEN STEWART) obj to arrears owed are $51,655.35, not $44,046.56, obj to loan so long as arrears are paid pending loan mod, but does obj to the feasibility with income. Must resolve obj.

Prop Plan $1,080 x 6 begin 5/1/26; $1,600 x 54; Base and Loan Mod with Shellpoint and PNC Bank by 11/1/26
Note: Excessive expense not ok, after deducting disposable income would verify $2,062, but plan pays more within the next 60 months.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-19590 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 12 required payments   Arrears: $1,366.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-20483 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 11 required payments   Arrears: $8,224.00
AS of 8/29/26(mk); adj request - no consent- DENIED

>>ARREARS asof the date of filing the MP were 3,9516.090

1. NJ DIV of Tax file a claim #14 for post pet taxes of 875.13-OK TO PAY?

2. Santander on the Lexis and Bridgecrest on the VW in MP as unaffected- Per prior confirmed plan TR is paying the small arrears claim for each creditor.

3. MP reduces payments but no amended I & J or updated proof of income was provided. There is disposable income of 3,112- there is not need to reduce the payment. It should remain the same at $2,569 and the plan can complete early in 26 more month



MP proposes:$11,771 PTD; $1614 X 53; 100% ($17,817.74)
To reflect filed Proofs of Claim and Court Order of 4/22/26 expunging POC.

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

Prior Conf:$6688 PTD (4 MOS) $2569 X 56 BEG 3/1/26 ; 100% PRESERVE EQUITY T/H OF $3679 IN PERSONAL PROPERTY ; ATTY FEE $3430/$4550 ; OK TO PAY NIP CLAIMS 1-1 & 6-1 ; PP.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-22746 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 9 required payments   Arrears: $1,840.00
8/4/26(mk) Order entered to file settlement dox w/in 30 days of date of order and case is dismissed w/o further order.


As of 7/28 /26 (mk); email to atty-will be adj

ADV PRO PRETRIAL FOR 7/7/26 MEDIATION adj to 8/4/26 @3:00PM

case is 6 mos old

>>THERE ARE 4 CLAIMS FILED IN THIS CASE: 2 secured mtg claims- only 1 has arrears and 2 unsecured claims one of which is the subject of an ADV PRO


Supp obj: filed 4/23/26Need current statement for Merrilll Edge acct and Dec and Jan BOA 6188

ADV Pro is Rec'r action

1. Mark Dattore-POC unsecure (JOSEPH ZAPATA) obj to Debtor being fraudulent. Must resolve obj. Adv proceeding also filed.

2. Trustee obj to the following:
- Must provide valuations for the (3) businesses listed on Schedule B, not Profit & Loss statements. LEMMING INVESTMENTS IS A REAL PROPERTY INVESTMENT, SCHED A HAS $0 VALUE, ZILLOW VALUES $245,300, NO DOCS PROVIDED. MUST PROVIDE, CMA, DEED, MORTGAGE AND HOMEOWNER INSURANCE WITH PERSONAL LIABILITY COVERAGE.

(debtor transferred Travis property from his own name to Lemming Investments LLC 1/16/25 for 1 dollar and then filed this petition on 12/1/25)

The Family LLC was formed to take care of parents Retirement home (22 K Way)for management of repairs and future rentals according to the Business forms submitted in June 2026

Prop Plan $920 x 60 begin 1/1/26; Base
7/7 payments


------------------RESOLVED---------------------------------
- There is non-exempt equity $16,095 in the residence, $9,500 in 2019 Honda.
Amended sch A/B and SOFA filed 4/23/26- Lemming Investments 51% interest in LLC
Have home insurance and car updated insurance exp 10/15/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-22866 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 9 required payments   Arrears: $450.00
As of 9/3/26(mk):

>>NOTHING RESOLVED Case is 9 mos old

needs amended I& J and order to include the interest. 1 last adj PEREMPTORY 9/16-

AS of 8/18/26(mk):

work up on plan #23

1. Plan still has Toyota Financial Services in part 4 with interest- NEED ORDER TO INCLUDE INTEREST AND STATE TOTAL TO BE PAID IN THE ORDER

2.MP before confirmation proposes to cram One Main Financial claim NEEDS PROOF OF SERVICE OF PLAN ON CREDITOR. FIled

3 Trustee's objection:
- Has NF spouse returned to work? per atty NO
- unnecessary or excessive expense items :
$800/month for unemployment taxes PROOF THAT DEBTOR IS PAYING THIS 10 days prior to confirmation.

Plan: $450 X 60; BASE
8/9 payments

---------------------------------RESOLVED-------------------------------
- Proof of 2 month's income - January and February for the debtor. (2 checks for Feb which comes out to dispos income of 954 p/m)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-23729 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 9 required payments   Arrears: $1,000.00
AS of 9/3/26(mk):


1. Trustee objection:
- Tax claims much higher

- debtors not paying all disposable income into plan. Verified income leaves monthly disposable income of $3,804.54 which is higher than scheduled.

-Non-exempt equity, if any, from 9/11 Victim's compensation case are to be turned over to the trustee.


2. NJ Division of Taxation secured claim not listed in PLAN $8,849.94 - OK TO PAY?

3. Toyota Lease Trust (2025 Toyota Prius lease) filed claim shows arrears of $453.08 -OK TO PAY?

4. Santander Consumer USA Inc- LATE FILED CLAIM, with arrears of $1,461.09 -OK TO PAY?

Plan $1,000 x 60 Base
8/9 payments

--------------------RESOLVED--------------------
- NJ Division of Taxation priority claim ESTIMATED for 2024 and 2025 taxes -APOC Filed
- Need proof of service on the IRS. NOT PROPER SERVICE ON THE IRS. failed to serve United States atty general and US Atty- FILED AN AMNEDED CERT OF SERVICE - heard from IRS not objtion to plan

>MFR on 6/24 for 2022 Jeep and they filed a late claim
GRANTED - lease rejected

- Attorney's fees in the plan ($1,250) and the disclosure statement do not agree. Disclosure states that $1,250 will not be paid through the plan. One of these must be amended. disclosure needs to be amended to say balance paid through the plan. AMENDED DISCLOSIURE FILED

pre conf cert filed
- Need December bank statement for Affinity accounts. RESOLVED, RECEIVED
- excessive expense items, PROOFS PROVIDED $1,800/month for support/alimony (need copy of order); Need proof of expenses 10 days prior to confirmation.
- Domestic Support Obligation information Form and order for payment of support. DEBTOR PAYING $207X4.33= $896.31/MONTH CHILD SUPPORT (dox provided)
The Schedules fail to account for the debtor(s) tax refund in the amount of $17,049.00 when determining disposable income. ADDED IN
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-23741 / CMGEric J. Clayman, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 11 of 9 required payments   Arrears: $0
As of 8/4/26 (DS): 1. MFR filed by mortgage Debtors are in post-pet arrears $6,541.78, sched 8/26/26, need outcome.

2. Debtors have not paid July payment $1,857. DEBTORS MADE JULY PAYMENT FOR AUGUST, 1 PAYMENT OUT OF 8 NOT MADE.

3. ISSUES NOT RESOLVED:
- Must provide homeowner insurance with personal liability for the Alabama property.
- Mod plan does not add claim filed by Cavalry SPV/Synchrony/Walmart judgment claim for $1,396.56.

MP in 14 days

As of 5/29/26 (DS): 1. Debtors made a payment of $5,000 5/28/26. They are in arrears $2,500 and now June payment will be due $2,500. How is Trustee to work up this case with 2 payments in arrears?

2. Plan is not feasible, proposing 100% total gucs filed $172,143.50, Debtors not current with payments. Trustee would require a payment of $5,045 for the remaining 54 months, disposable income verifies $2,045. MOD PLAN FILED PROPOSE BASE, NO LONGER 100%

3. BELOW ISSUES REMAIN UNRESOLVED.

3/11/26 (DS): 1. Debtor in arrears $5,000, made 1 payment out of 3.
NOW 2/3.

2. Trustee obj to the following:
- Must provide homeowner insurance with personal liability coverage for the Alabama property DOC PROVIDED HAS NO PERSONAL LIABILITY COVERAGE, ONLY DWELLING.
- Excessive expenses on Sched J: Water/sewer/garbage $450, Car payment $700 (Per POC car payment is $746.69) and real estate taxes on Alabama property $37.50. Plan propose 100% may be moot.

3. The Bank of NY Mellon (JOSHUA GOLDMAN) obj to arrears owed more, POC filed with arrears $37,865.29, plan has $23,449.
Must resolve obj. MK PER CREDITOR- C/O ENTERED 6/12/26 TO PAY CLAIM ARREARS $37,865.29

4. Cavlalry SPV/Synchrony Bank/Walmart filed secured judgment lien for $1,396.56, needs to be paid or move against claim. NOT MENTIONED IN MOD PLAN, ALTHOUGH PLAN HAS TO CONFIRM TO FILED CLAIMS.

Prop Plan $15,000 PTD; $1,857 x 54 7/1/26; Base
Note: Bank statements provided and there is no equity in bank accts. Bank statements from Navy FCU acct#070 & 246 showed acct has $5. Tax cl
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-10525 / CMGJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 8 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-10818 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 8 required payments   Arrears: $1,500.00
AS of 9/3/26(mk)

4th hearing dated last adj was form July to this date- any update on sale??



mk: debtor atty email: Property is listed and several showings have not produced a buyer as of yet; Debtor is likely doing a price reduction this week; Please be advised that counsel for mortgage lender has agreed to a 90 day adjournment


>>NEED TO KNOW IF #1 IS RESOLVED AND IF THERE IS A SALE DEADLINE OR ARE WE USING 7.29/26?

1. NewRez/Shellpoint (ALEISHA JENNINGS) obj to sale and plan silent on paying arrears owed, POC filed with arrears $214,047.51. .

2. State of NY, plan has $1,494 to be paid, THIS CREDITOR
FILED AN UNSECURED CLAIM SO UNLESS YOU UHAVE AN ORDER RECLASSIFING THE CLAIM TO SECURED TR PAYS PER THE FILED CLAIM- PLEASE ADVISE

3. IRS FILED CLAIM FOR 1,816.05-- Trustee ok to pay?

4. Trustee obj:
- Disposable income verifies $1,405, plan is only proposing $500 x 36 months.
- There is non-exempt equity in the residence $145,661 bar date has passed total gucs filed $72,495.73. ( very large IRS unsecured claim added to guc total) Add to confirming order Debtor to provide non-exempt proceeds from sale to Trustee.



Plan $500 x 36 begin 2/1/26; Base and Sale of Tanager Lane by 7/27/26
Note: Listing Agreement provided property listed to sell at $1,099,000. 2025 Tax return provided, no tax refund received.
4/6 payments

-----------RESOLVED----------------------
. State of NJ filed claim for $120.21. Trustee ok to pay? MK YES
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11227 / CMGRoger J. Yehl, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 2 of 7 required payments   Arrears: $5,650.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11316 / CMGPRO SEConfirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 7 required payments   Arrears: $0
AS OF 9/3/26(mk)

adj to see if any options for debtro to save home- AUSA to report back



8/5/26: adj 9/16


AR NOTE HUD FORCLOSURE AUSA WILL APPEAR
APPROX 100K IN EQUITY

8/4/26(mk) 6 mos in no payments and debtor says she has no mortgage on the property. N. Engel for US atty office will appear.

7/20/26(mk) sent email to N. Engel about case and hearing 8/5/26 at noon

6/24/26(Mk) Judge will review debtor's email attachments about mortgages CMG will adjourn to review dox

MK: found out through E courts and property record search that property was foreclosed upon and sold at sheriff sale . MTG owned by Secretary of United States Dept of Housing and Urban Development. There was a writ of ejectment filed. Writ of possession filed BY KLM 2/10/26. All of debtor's efforts to vacate the action and writ of possession were denied in the superior CT. BKCY uploaded to state Ct docket 2/11/26. Another Writ of Possession submitted by case management staff on 4/2/26

KLM law group on behalf of Sec of Housing and Dev ( atty Michael Mc Keever)

HUD FORECLOSURE COMMISSIONNER DEED DATED 3///14/2025 RECORDED IN MONMOUTH COUNTY ON 4/10/2025

As of 6/18/26(mk): emailed Matt F at KLM to see if he has any knowledge on this debtor as apparently she rec'd a Writ of execution/possession in Feb. and April of this year.


1. Trustee Objection:
-doc #31 letter from US Dept of Justice as counsel to the US Dept of Housing and Urban Development- not proper service of plan.

-no payments cased filed in Feb.

-no home insurance with personal liability coverage

- The debtor has failed to file a feasible plan - the plan provides no payments and no creditors
listed.

- need- A copy of the deed - with the recording information

- Amendments to Schedules Schedule C to provide exemptions of real property

-There is $102,395.81 non-exempt equity in house

-Need to amend Plan, specifically Part 5 treatment of Unsecured claims, left blank.

-Part 8a Vesting of Property of the Estate and Par
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11724 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $803.00
8/27/26; order submitd resolving obj by New rez/Shellpoint Pay POC 11-1 170,326 AND Order submitted resolving obj by Serv bank Pay POC $1,050


9/16 peremptory

AS of 8/12/26(mk):

1.Objections by NewRez( Stewart Legal ) OTBS:
-plan fails to pay arrears.

2. Objection by Serv Bank ( Stewart Legal)OTBS
- plan fails to treat/ pay arrears claim

3. Trustee Objection:
- Needs amended B & C for correct amount of inheritance
- Need 2025 tax return.
- must provide proof of auto insurance for the 2012 Dodge Challenger and 2000 Dodge Durango Rec'd on 2020 Dodge BUT NOT THE CHALLENGER
- There is $66,000 in non exempt equity in the inheritance
- Need documents from the estate of Rosemary Cardillo to verify debtor's $66,000 share from said estate.
- must file pre conf cert.


Plan: $2753 X 60; BASE
6/6

-----------------------------------------------
post 341 dox litigation( debtor to receive 37,088 Inheritance) per a schedule and letter from estate atty
- There is $66,000 in non exempt equity in the inheritance
- Need documents from the estate of Rosemary Cardillo to verify debtor's $66,000 share from
said estate.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11748 / CMGStephanie Shreter, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 7 required payments   Arrears: $1,362.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11878 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $100.00
9/16 Peremptory

Tr to discuss w/ atty and creditor before conf

8/26/26;atty says has 93,000 in acct- this is news

8/25/26: the 2 settlement docs have been uploaded

Case should really be converted due to payments f to creditors and family form 2 lawsuit settlements before filing

8/24/26(mk): Order submitted that takes the unsecured claim filed by Avalon Med'l rep by D. Straffi and makes 55,556.14 of it Secured and to be paid thru the plan and the balance of 141,445.84 unsecured and treated w/ rest of gucs- This order is a resolution of an objection to confirmation. This is unequal treatment of creditors in the same class and the unsecured claims were to be treated pro rata and this was not motion filed to reclassify Avalon's claim 7-1. Need TR review. The plan provides for 100 x 36

>>NOT FEASIBLE


As of 8/12/24(mk):

peremptory Confirm or Dismiss

Tr need second settlement statement
debtor atty discussing resolution w/ Straffi
Rudik needs to resolve w/ objecting creditors - he is to provide settlements on both settlements to objecting creditor- if not resolved case should be converted


As of 7/10/26(mk):updated

>> NEED TOTAL AMOUNTS REC'D FORM FIRST AND SECOND SETTLEMENTS AND THE DATE HE REC'D THE FUNDS mk debtor spent all of 1st settlement on payment of friends and all of 2ond settlement but 66,000-

CASE SHOULD BE CONVERTED TO A CH 7


$ that is left from 2nd settlement ( shortly before filing)is in Trust acct of atty- 66,646.67- will minus exemption and turn it over- debtor spent first settlement $ atty says docs were submitted- DEBTOR NEEDS TO TURN THIS OVER

As of 7/8/26(mk):

1. Objection by US Claims Opco LLC (Husch Blackwell LLP) :
- plan does not provide for secured claim of $37,443.86 (claim #6)
- Debtor's schedules show there are funds sufficient to pay all claims in full. CAN BE PAID IN FULL IN FULL PER ATTY

2. Objection by Avalon Medical -Straffi

3. Trustee objection:
- What is status of other lawsuit?
- debtor
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11944 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $243.00
8/24mk atty advises debtor approved for a LM waitng on terms as debtor completes last trail payment then prob file a MP- adj to 9/16 for follow up


As of 8/12/26(mk):

1. Plan treats mtg PHH as unaffected. They filed an arrears claim for $14,024- OK TO PAY?

2. Trustee objection:
- per new Appraisal NE equity in real property is $2,878.

-claim for consumers filed by creditor and will be treated as an amendment to claim #26 filed by debtor atty BUT PLAN HAS A CRAM on car SO NEED PROOF OF SERVICE ON THE CREDIOTR

Plan $243.40x50 base plan
6/6 payments


-------------------RESOLVED------------
- Need explanation of CMA which values property at $167,500.00. Zillow values property at $305,600. Have appraisal now - resolved
Need a statement for the 401k loan. PROVIDED
- Need explanation of CMA which values property at $167,500.00. Zillow values property at $305,600. Have appraisal now at 190,000- resolved
- Need a statement for the 401k loan. PROVIDED

Pre-Confirmation Certification - RESOLVED, FILED.
-Need copy of 2025 by 5/31/2026 - DEBTOR FILED EXTENSION OF TIME TO FILE 2025 RETURN
Email InquiryMatter ResolvedRequest
Adjournment
1359/16/2026 10:00 am26-11977 / CMGAndrew G. Greenberg, Esq.Confirmation HearingPending WorkupDebtor has made 6 of 7 required payments   Arrears: $1,577.00
for judge to rule on Alevas claim see wilmington #s in B. caine's objection must serve creditor Alevas claim is that claim valid or not


As of 8/26/26 (DS): 1. Trustee obj to the following:
- Must provide auto insurance (expired 7/31/26). PROVIDED 8/26/26
- Need service to all creditors listed in motions in Plan, except Chris Alevras and Wilmington Savings obj filed.
- Excessive expenses on Sched J $1,200 spouses credit cards and $2,000 support for 2 children in college. Must provide proof of expenses 10 days prior to confirmation.
- Disposable income verifies $7,524.
- 22C has disposable income is $10,399 which requires a min. div. $623,940 to gucs.
- There is non-exempt equity in the personal assets $6,325.
- Must file Pre-confirmation certification.
- Must resolve the objecting creditors objections.

2. Freedom Mtg (KIMBERLY WILSON) obj to arrears owed are more, POC filed with arrears $96,185.89, plan proposed $64,000. Must resolve obj.

3. CHRIS ALEVRAS ( PRO SE) obj that lien is judgment lien and arose from fraud, etc. Claim filed is missing 2nd page of claim and provides no attachments as to reason for judgment, as well as objection.

4. Wilmington Savings (BRIAN CAINE) obj that claim is a judgment lien not mortgage lien, Zillow values $516,300. Pursuant to Section 522(f)(2)(B): In the case of a property subject to more than 1 lien, a
lien that has been avoided shall not be considered in making the calculation under subparagraph (A) with respect to other liens. Must resolve obj. mk his numbers are in his objection

5. Riverbend Townhouse (MCGOVERN LEGAL) obj should be resolved, plan propose to pay arrears owed per POC filed $12,636.59.

Prop Plan $2,000 x 60 begin 3/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12135 / CMGMark S. Cherry, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
8/10/26 (sf) Adj Peremptory

Schedules amended, need to review

Need proof of auto insurance for 2007 Nissan Versa (Per atty, car was sold prior to filing. Atty to provide cert from debtor.)


PLAN IS NOT FEASIBLE. CLAIMS ARE HIGHER. HUSBAND'S INCOME WAS REPLACED ON SCHEDULE I WITH JUST A CONTRIBUTION WITH NO EXPLANATION


1. Objection filed by Santander Bank (Wilson) - failure to pay arrears of $180,456.10 (OKAY TO PAY?)

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

3. State of NJ filed secured claim 2-1 in the amount of $5423.26 which is not addressed in plan (OK TO PAY?)

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

5. Trustee objection:

- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of
confirmation. DISPOSABLE INCOME VERIFIES AT $2652

- The debtor has failed to file a feasible plan -. Debtor has insufficient income and plan needs
to be 100% due to non exempt equity.

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

- A copy of the last filed tax return - for 2025 by 5/31/2026. (STILL NEED)

- The debtor must provide proof of auto insurance for the 2007 Nissan Versa.

- There is $145,947 in non exempt equity in the bank account.


Plan proposes $3,208 x 60 Base
Payments: 5/5

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12701 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
As of 8/17/26(mk):

>>MFR 9/16/26- Alliant Credit Union(KML)- 2nd Mtg on #373

1. Bifurcated claim filed by Ally Capital- plan has outside but there are arrears of $1,865.67

2.Plan has pay CMG Mtg outside but there is an arrears claim for $7,532.64-OK TO PAY?

3. Plan fails to treat secured claim #1-1 for arrears on IOU CENTRAL, INC. DBA IOU FINANCIAL, INC.- UCC secured lien.

4. Trustee objection:
- NEED A copy of the deed - for property #373, document provided has wrong address and not the debtor.

-Debtor has undertaken an improper use of exemption. Specifically: -Debtor is using a (d)(1) exemption on second property

-Debtor pet grooming business is operating at a loss of $-11,035.

-Debtor also has a rental property that is operating at a loss of $ -139.51.

- must file pre conf cert.

Plan: $320 X 60; BASE
5/4 payments

---------RESOLVED---------------------------------
Objection By Alliance credit(KML) on #373 2nd mtg RESOLVED PAY ARREARS CLAIM #18 in full
Objection by Rocket Mtg (McCalla0: on prop #373 RESOLVED- PAY POC
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12815 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $2,500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12942 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $1,882.00
As of 7/29/26 (mk):

HAS the LM package been submitted?

7/15/hearing was adj to 8/5: per Tr full lm application to lender there is no loss mit request filed provide the LM package to lender and atty for lender.

Motion to participate in Loss mit on for 8/5


1. US Bank (BRIAN CAINE) obj to arrears owed are much more than what is in plan POC filed with arrears $72,137.8, plan does not propose to pay the arrears and that plan was filed to stop sheriff sale

2. Ally Capital-2017 Ford filed arrears owed $1,049.38. OK TO PAY?

3. Must resolve the estimated tax claims filed by IRS and State of NJ 2021-2023 not filed.

4. Trustee objection:
- Must provide 2025 Tax return.(PROVIDED)
- Excessive expenses on Sched J: Home maintenance $500 and Utilities $1,100. Must provide proof of expenses 10 days prior to confirmation. Disposable income would verify $2,579 deducting excessive expenses.
- There is estimated non-exempt equity in the residence $137,989 pending resolving the estimated tax claims.


Plan $1,882 x 60 begin 4/1/26; Base and Loan mod on Stockton Street by 10/1/26
4/4 payments

----------------------RESOLVED----------------------
- Must provide 2025 Tax return.(PROVIDED)
DSO info sheet provided 6/3/26.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12953 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $486.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13079 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
1429/16/2026 10:00 am26-13098 / CMGKarina Pia Lucid, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 6 of 6 required payments   Arrears: $0
AS OF 9/4/2026 (at):

CASE PENDING SINCE 3/23/2026. OBJECTION REMAINS UNRESOLVED.

1. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

2. Objection filed by Legacy Mortgage (McCalla Raymer) - failure to cure full arrears of $73,452.70 (Per POC). Plan proposes to pay $62,723.39. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - policy provided expired 5/26/2026, need to provide renewal (RECEIVED)
- A copy of the deed - with the recording information on it. (RECEIVED)
-There is $181,114.77 non-exempt equity in house. (LANGUAGE ADDED)
-There is $9,098.46 non-exempt equity in timeshare. (LANGUAGE ADDED)
TOTAL NON-EXEMPT EQUITY $190,213.23

Plan proposes: $450 x 6 beginning 4/1/2026, $2,356 x 54, loan modification by 7/1/2026, 100% plan
Payments: 6/6
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13125 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 6 required payments   Arrears: $600.00
mk:debtor address per sale K was Leland ave- did they file a chg of address? who owns that property??


Kim Wilson has Mtg on prop was transferred it in March 2023 #634-636 for 100,000 and mtg was never paid off. creditor has SV and now motion filed

MTN To reduce Claim of freedom mtg on 8/26


mk sent email to atty for status 7/22/26

7/22/26(mk) NEED HUD FROM SALE OF PROPERTY #820- NOT CLOSED YET?? NO to close in 2 weeks
Plan has to be 100% due to equity in real prop.

sale date 7/14 - adj conf to 8/5- creditor to file a motion for relief property was transferred to PPS- for 100,000 and mtg not paid- not the sale property

As of 6/24/26 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.
- Need payoff of loan and need order for surplus amt from superior Ct and status of sale ATTY PROVIDED LETTER DATED 5/27/26 FROM CREDITOR ATTY REDEMPTION AMOUNT ON SALE OF REAL PROPERTY PROVIDED UP TO 6/15/26 WAS $452,770.70 HAS EXPIRED.
DID CLOSING HAPPEN? No w/in 30 days-
- Need cert from debtor he does not have the car. AMENDED SCHED A/B REMOVES CAR, CERT PROVIDED THAT DEBTOR HAS NOT HAD CAR FROM A YEAR PRIOR TO FILING, TRUSTEE TO REMOVE CAR PAYMENT $400 FROM SCHED J AND STRIKE CREDITOR FROM PLAN.

Atty has $600 to send in. Debtor does not have the car.

As of 6/1/26 (DS): 1. Trustee obj to the following:
- Must provide auto insurance for 2020 Hyundai (ATTY AMENDED SCHED A/B, BUT TRUSTEE ASKED FOR DEBTOR'S CERT,-CERT PROVIDED 6/24/26 MIDNIGHT, DEBTOR HAS NOT HAD CAR FOR A YEAR BEFORE FILING, THEREFORE, WE NEED TO REMOVE CAR PAYMENT AND STRIKE CREDITOR FROM PLAN.
- Must amend Debtor's petition to add the alias of "Steve Apisa" to the petition.
- Disposable income WOULD verify $1,940, since there is no car payment $400, also plan fails to add tax refund $2,645 when determining the disposable income.
- Need a tier plan when car payment $400 ends in month 14. IF THERE IS NO 2020 CAR THEN THERE IS NO CAR PAYMENT, BUT THERE IS DISPOSABLE INCOME $1,940.
- Plan fails to provide the non-exe
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13129 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 9 of 6 required payments   Arrears: $4,933.00
sale K MP in 14 days for sale

As of 7/9/26 (DS): 1. Debtor in arrears $5,982, made 2 payments out of 4, last payment made on 6/8/26 for $6,050. Debtor needs to get current.

2. Trustee obj there is non-exempt equity in the residence $188,663 and Bank of America acct $669 total $189,332. Bar date has passed total gucs filed $31,628.43.

3. IRS filed claim in the amount of $8,777.54, not in Plan and needs to be paid. Trustee ok to pay? MK YES PAY

Prop Plan $3,008 x 60 begin 4/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13232 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $200.00
mk: fyi:order approving sale of real property was submitted should be entered 8/31- fee app for fees 2,163.88 related to sale on 9/22 as of now and these supp fees will be paid at the closing of the sale when that occurs

Appraisal provided, need to review


AS OF 8/3/26 (SF)

1. 341 not held. Rescheduled to 8/20/26
3. Payments: 3/3


appl to retainer realtor filed #33- listing price is 450,000
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $6,613.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13374 / CMGMitchell Lee Chambers, Jr., Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 3 of 6 required payments   Arrears: $13,524.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE THREE OF SIX TRUSTEE PAYMENTS. ARREARS ARE $13,524.

1. The trustee shall pay the arrearage amount of $3,699.75 to Onemain Financial, Claim # 7. No distributions shall be made on the secured and unsecured portions of the proof of claim.

2. Debtor must provide proof that trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must provide for vesting at confirmation. (NOT RECEIVED)

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):
- A copy of the last filed tax return - 2025 return by 5/31/2026 (RECEIVED)
- as of now the no exempt equity in property is $215,843 100 % plan (LANGUAGE ADDED)


Modified Plan before confirmation proposes: $4,508 x 60 beginning 4/1/2026, loan modification by September, 2026, 100% plan
Payments: 3/6, arrears $13,524
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13384 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $3,000.00
AS of 8/24/26(mk): waiting to hear from atty on dispos income issue- EMAIL TO ATTY- submitting add'l info in income for calculation 9/16 PEREMPTORY

7/15:adj for atty to review and provide documentation

>>Need to resolve the excess income issue- email to Atty

1.Trustee's objection:
- Not paying all disposable income into the plan pursuant to either Schedules I & J
- Disposable income verifies $5,900 at debtor's current expense total,
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)

Plan proposes: $1,500 x 6 begin 4/1/26 then 3000 x 54 base
3/4 payments


------------------------------------------
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)
Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)
Expenses reviewed and ok (mk) 4 PP HH sch J overall is reasonable
- 22C-1 has excessive expenses: Line 13 takes $2,750 spouse expenses. 22C-2 Line 21 Childcare $1,200, Line 30 Additional food/clothing $77 and Line 46 is deducting $850 on a
one time bonus spouse received and is not expected to occur (Can add to confirming order to provide updated proof of income by 1/15/27 to follow up if bonus is received). (LANGUAGE ADDED)
- Sched J has excessive expenses: Home maintenance $100 (do not own home), Renter's insurance $18, Childcare $1,200, Entertainment $400, Spouse Debt service $2,500 and
spouse personal care $250. Must provide proof of expenses 10 days prior to confirmation. - The debtor has failed to file the required
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13457 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $828.00
AS OF 7/31/26 (SF)



1. The IRS just filed estimated priority and unsecured claim 6-1 (UNSECURED CLAIM IS STILL ESTIMATED)


Trustee objection:

- There is $184,620 in non exempt equity in the residence.


Plan proposes $700 x 60 100% Plan
Payments: 3/4 Arrears: $700


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Plan is not feasible. Trustee payment needs to increase to $1272 per month. Debtor is not current with Trustee payments (I and J amended. Disposable income is now $1307)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13495 / CMGFilipe Pedroso, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 6 required payments   Arrears: $3,181.00
Mp in 14 days
2025 tax retrun submitted - will agree to 100%

Atty submitted late adj 7/14/26 5:30pm must appear

As of 7/15/26 (DS): 1. MFR filed by Freedom Mtg, Debtor has not made any post-petition payments since 4/1/26. Sched 8/5/26. Need outcome.

2. Trustee obj to the following:
- There is non-exempt equity in the residence $107,260. Plan has to be 100%, bar date has passed, total GUCS filed $16,888.76.
- Must file Pre-confirmation certification.
- Plan fails to propose Trustee standard order of distribution and mark off 8d Post-petition claims.
- INCOME IS NOT FEASIBILE TO SUPPORT AN INCREASE IN TRUSEE PAYMENT TO PAY HIGHER ARREARS CLAIM AND 100% TO UNSECURED CREDITORS, DISPOSABLE INCOME VERIFIES $729, WOULD NEED ESTIMATED TRUSTEE PAYMENT OF $900 OR MORE.

3. Freedom Mtg (BROCK & SCOTT) obj arrears owed more, POC filed with arrears $32,727.24. Must resolve obj.

Prop Plan $560.06 x 59 begin 4/1/26; $560.24 x 1; Dollar Base $1,500
Note: 2025 Tax return provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13609 / CMGPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $763.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13789 / CMGAndre L. Kydala, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 6 of 5 required payments   Arrears: $0
AS OF 9/4/2026 (at):

CASE PENDING SINCE 4/6/2026. NOTHING ADDRESSED OR PROVIDED.

1. Objection filed by PNC Bank (KML) - plan does not list PNC as a secured creditor. Claim filed with $0 arrears. (UNRESOLVED)

2. Objection filed by Deutsche Bank (Robertson Anschutz) - objecting to cram. Claim filed for $105,027.39 in arrears. Plan proposes to sell the property but to pay creditor $0. (UNRESOLVED - DUPLICATE OBJECTION FILED IN THE NAME OF NEW REZ)

3. Trustee's objection:
The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - for 75 S. Main Street, Lambertville City, NJ 08530. (NOT RECEIVED)
- Business profit & loss statements (NOT RECEIVED)
- A copy of the last filed tax return - for 2025 when filed (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for 75 S. Main Street, Lambertville City, NJ 08530. (NOT RECEIVED)
- Need March and April bank statements for PNC checking account. (NOT RECEIVED)
- A copy of the deed - for 75 S. Main Street, Lambertville City, NJ 08530. (NOT RECEIVED)
- Amendments to Schedules to list 75 S. Main Street, Lambertville City, NJ 08530. (NOT AMENDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$4,398/month mortgage payment (per claim filed monthly payment is $3,895)
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 $69,085 in non exempt equity in the residence. (LANGUAGE ADDED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on MEB REO Trust. (NOT FILED)
- Need to resolve objection by PNC Bank.
- Need to resolve objection by Deutsche Bank.
- Need to resolve objection by New Rez.
- need MP to remove modification in part 4 d and 7 b (MOD PLAN NOT
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13819 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $600.00
issues as of 9/4/2026 (JMA)

1) Synchrony Bank (2023 Polaris) - NEED TO RESOLVE
- Plan treats claim as secured and unaffected by plan. However, it lists $14,720 secured ant $16,651.20 as unsecured. Plan does not propose payment through plan.
2) Yamaha Motor Finance (2018 Yamaha Jetboat) NEED TO RESOLVE
- The Jetboat is treated as secured and unaffected by plan - debtor attorney needs to advise Trustee how claim is to be treated.

proposed plan $600x6, $1,800x54 100% plan
pai in $2,400
arrears $600
last claim 20-1
Email InquiryMatter ResolvedRequest
Adjournment
1509/16/2026 10:00 am26-13852 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 5 required payments   Arrears: $1,312.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE THREE OF FIVE TRUSTEE PAYMENTS.

1. Objection filed by UMB Bank (Romano Garubo) - blanket objection. Debtor is not current with Trustee payments. (UNRESOLVED)

2. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $2,490.

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules B to add the business including total asset value (truck) (AMENDED)
- 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 $66,399 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)
- 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: $656 x 36 beginning 5/1/2026, loan modification by 10/31/26, 100%
Payments: 3/5, arrears $1,312
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13938 / MEHDavid G. Beslow, Esq.Motion Relief from Stay (Fee)No Opposition FiledCARRINGTON MTG (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13989 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 5 required payments   Arrears: $900.00
8/27/26 - Per Atty certified check for $1,800 was mailed to TN. (dm)
Email InquiryMatter ResolvedRequest
Adjournment
1519/16/2026 10:00 am26-14001 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $400.00
8/25/26 order resolving obj by citizens Bank #3 below pays poc #3-1


As of 8/21/26 (DS): 1. MFR filed by Citizens Bank sched 9/16/26, Debtor in post-pet arrears, cert does not mention amount owed. Must resolve.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $198, even after adding tax refund, which was not listed on Sched I.
- The plan fails to list the mortgage Rushmore with arrears $690.95, instead list Mrc/United Wholesale M. Trustee ok to pay and strike Mrc?
- There is non-exempt equity in the residence $210,050. Bar date has passed total gucs filed $48,300.02, but attorney may want to look at claims #1 & #2 of TD Bank both for $12,862.26, may be dups.
- Must resolve creditor obj.

3. Citizens Bank (ANDREW LUBIN) obj arrears owed more, POC filed with arrears $27,535.74. Must resolve obj.

Prop Plan $400 x 60 begin 5/1/26; 100% and Refinance of Johnson Ct by 5/1/27
Email InquiryMatter ResolvedRequest
Adjournment
1319/16/2026 10:00 am26-14057 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $461.00
atty out of town both parties agree to adj to resolve objection in #1

AS OF 7/31/26 (SF)


1. Objection filed by Capital One Auto Finance (Stewart) - objects to cram (910 claim) (MUST RESOLVE)

2. Trustee objection:

- The debtor has insufficient income.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $811 when
determining disposable income.



Plan proposes $460.12 x 60 Base Plan
Payments: $1380 Received Arrears: $.36





RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Need March and April bank statements for TD account 6925 or document showing that it
was closed. Note - proof of TD acct closure uploaded 5/15/26 (dm)



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14068 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $450.00
8/11/16(mk) order submitted resolving objection by Lakeview(#1 below) - terms LM bt 11/1 .Reg payments made by debtor to creditor pending LM. Tr no pay pending LM


LM was submitted again yesterday and missing bank st uploaded

issues as of 7/30/2026 (JMA) - CREDITOR OBJECTION NOT RESOLVED

1) Lakeview Loan Servicing LLC (KML) objection to confirmation - NEED TO RESOLVE
- On or before the Bar Date of June 22, 2026, Secured Creditor will file a secured claim for estimated pre-petition arrears in the amount of $211,662.41.
- Debtor's Plan understates the amount for the Secured Creditors Claim and does not provide sufficient funding to pay said claim.
2) Trustee objection to confirmation - RESOLVED
- Property settlement agreement - RESOLVED, PROVIDED DIVORCE DOCUMENTS
- TD Bank statements from 2/26/26-4/13/26. RESOLVED, PROVIDED
- Must resolve creditor objection.

proposed plan $450X60 with loan mod by 11/1/2026 minimum $27,000 to gucs
paid in $1,350
last claim 6-1

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): A copy of the last filed tax return for 2024 and 2025 -RESOLVED, TAX RETURNS PROVIDED, NO REFUND
- A copy of the homeowner's insurance renewal declaration with personal liability coverage, not forced mortgage insurance, which expired 12/27/25 - RESOLVED, PROVIDED RENEWAL EFFECTIVE THROUGH 6/19/2027
- Property settlement agreement - RESOLVED, PROVIDED DIVORCE DOCUMENTS
Email InquiryMatter ResolvedRequest
Adjournment
1339/16/2026 10:00 am26-14069 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $100.00
As of 8/4/26 (DS):


1. Trustee obj to the following:
- Must provide 2 months proof of income for spouse now that spouse has returned to work and statement for the Acorn investment account prior to filing date.
- Must amend Sched I to include spouse income.
- Disposable income verifies $550, also car payment $458 ends in month 25 and will require a tier, pending income from spouse, 2025 Tax refund and amended Sched I subject to increase.
- Must resolve State of NJ estimated tax claim, 2025 Tax return not filed.

Prop Plan $300 x 60 begin 5/1/26; Base and Sale of Virginia Ave by 4/1/27
Note: Updated homeowner insurance, Auto insurance for 2021 Nissan Altima and 2025 Tax return provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14077 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $960.00
AS OF 8/19/2026 (at):

1. Objection filed by Real Time Resolutions (Must O'Keefe) - loan has matured and they will be filing a total debt claim for $118,352.89. Plan fails to provide for movant's claim. (UNRESOLVED)

2. Trustee's objection:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
-There is $141,208.25 non-exempt equity in house.
-There is $1,429 non-exempt equity in 2022 Subaru.
-There is $900 non-exempt equity in acct#5804.
TOTAL NON-EXEMPT EQUITY $143,537.25 (100% PLAN) (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification within 7 days of confirmation. (LANGUAGE ADDED)

Plan proposes: $960 x 60 beginning 5/1/2026, 100% plan
Payments: 4/4
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14160 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $200.00
AS OF 8/25/2026 (at):

1. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

2. Objection added by Credit Union of NJ (McKenna DuPont) - failure to cure full arrears of $49,965.92 (Per claim). Plan proposes to pay $30,000. (UNRESOLVED) MK PAY IT

3. Trustee's objection:
- The debtor has insufficient income. (CURRENT)
- The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - comps provided were sold in 2024, need CMA with comps within 6 months of filing (NOT RECEIVED - SUFFICIENT N/E EQUITY FOR 100% PLAN)
- Need to provide statements (March & April) for CUNJ savings account
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There may be non-exempt equity in real estate once we receive an updated CMA. (100% PLAN) (THERE IS $40,425 IN NON EXEMPT EQUITY IN THE RESIDENCE - LANGUAGE ADDED)
- There is $2,955 non-exempt equity in jewelry. (LANGUAGE ADDED)
- There is $5,000 non-exempt equity in 206 Infiniti. (LANGUAGE ADDED)
- Need 3-month (May, June & July) P&L statement for full-time job for debtor. (RECEIVED)

Plan proposes: $900 x 60 beginning 5/1/2026, 100% plan
Payments: 4/4
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14349 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $126.00
AS OF 7/31/26 (SF)

1. Objection filed by Americredit Financial Services/GM Financial (Craig) - objects to cram (MUST RESOLVE)

2. The plan proposes to pay NJ Property Liability Insurance Guaranty $2500 for total lien and also proposes to avoid lien in the amount of $2500. (NEED EXPLANATION) No claim filed

3. IRS filed priority claim 16-2 in the amount of $9595.10 (OK TO PAY?

4. Trenton Tax Collector claim is much higher - $31,368.56 (OK TO PAY?)

5. One Main Financial Group filed arrears claim 15- for $3867.08 which is not addressed in plan for 2002 Cadillac Escalade (MUST RESOLVE)

6. Updated pay stubs provided and disposable income is now $1622.30

7. Trustee objection:

- The debtor has failed to file a feasible plan - that propose a tier plan when Debtor pension loan $1,514 ends in month 15.

- A Modified Plan that propose student loans to be paid outside, Schedule J list student loan payment.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,408 when determining disposable income.


Plan proposes $515.20 x 60 Base
Payments: 3/3



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification .
- Need pay stubs from Debtor for the month of March 2026, cannot determine income with 2 pay stubs and from Co-Debtor the month of May., since Co-Debtor started new job and only provided April.
- Must provide Credit Union of NJ bank statements for both Debtors from 4/1/26-4/30/26.
- There is estimated to be non-exempt equity in the residence $18,135 (pending all secured claims filed) and Credit Union of NJ accts (pending review of updated bank statements) CLAIMS ARE HIGHER NO EQUITY
-. Unemployment provided for Peter Armstrong. Need amended Schedule I (UPDATED PAY STUBS PROVIDED)

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14398 / CMGFrederick J. Simon, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 5 required payments   Arrears: $500.00
AS OF 9/4/2026 (at):

1. Plan proposes a sale and refinance of 6 Schmitt Street. Cannot propose both. Need a modified plan.

2. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure full arrears of $75,069.89 (Per claim). Plan proposes to pay $26,387.53. (UNRESOLVED)

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(1) and d(5), takes full d(1) $31,575 on residence, which leaves d(5) with $1,675.
- The current Plan does not specify treatment of Digital Employees FCU under the Plan. (IS THE DEBTOR GOING TO PAY THIS CLAIM FOR SOLAR PANELS?)
- need information on Father's estate once obtained. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has insufficient income. Disposable income verifies $334. Debtor must do e-Wage. (CURRENT)
- 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 $168,956, #10 $3,325, Chime checking acct $2,921, Chime savings acct $3,148 and the Estate of Alan $100,000. (LANGUAGE ADDED)
- Must resolve creditor objection. (LISTED ABOVE)
- Add to confirming order non-exempt proceeds from sale/refinance of residence to Trustee and non-exempt proceeds from the Estate of Alan Pasztornyicky to Trustee. (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 5/1/2026, sale and refinance of Schitt Street, 100% plan
Payments: 4/5, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
1379/16/2026 10:00 am26-14424 / CMGPRO SEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 5 required payments   Arrears: $1,600.00
issues as of 9/4/2026 (JMA) - 341 not held, not rescheduled

341 dox needed:

DEBTOR SON SIGNED CONTRIBUTION AFF,

DEBTOR 2024/2025 TAX RETURNS,(nothing ever received)

DEBTOR CMA(ZILLOW.COM) FOR 32 Mk use zillow


did she pay anyone to help her prep this petition



Debtor correspondence at #24- lender atty J. Goldman is requesting a post pet ledger of payments rom his client
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14446 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,653.00
AS OF 7/30/26 (SF)



1. The State of NJ filed estimated priority claim 11-1 (NEED AMENDED CLAIM)

2. Need something in writing from Perlman's office and Smith-Sklar's office as to who is to receive balance of fees. Also need Chapter 13 disclosure statement from Smith-Sklar

3. Trustee objection:

- Verified monthly disposable income is $5,400 per month. (Plan is 100%.) (RECOMMEND 48 MONTH PLAN)
- Student loans outside plan.



Plan proposes $1653 x 60 100% Plan
Payments: 1/2 Arrears: $1653



Email InquiryMatter ResolvedRequest
Adjournment
1409/16/2026 10:00 am26-14664 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $500.00
AS OF 7/31/26 (SF) Schedules amended, need to review

1. Objection filed by Nationstar/Computershare Trust (Holdren) - failure to pay arrears; speculative loan mod and feasibility

2. Motion for Relief by Nationstar/Computershare Trust Co scheduled for 8/26/26 at 9 (MUST RESOLVE)

3. Trustee objection:

- The debtor has insufficient income.

- There is $39,245 in non-exempt equity in the residence. (100% PLAN)

- There is $3,407 in non-exempt equity in the business.

- Confirming order should provide for all non-exempt proceeds from the estate of the debtor's father.


Plan proposes $500 x 60 100% Plan; Loan Mod by 11/1/26
Payments: 3/3

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor failed to provide recording information for the deed to property located at 523 Lincoln Place. (RECEIVED)
- The IRS filed an estimated claim which needs to be amended.

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14713 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $392.00
As of 8/21/26 (DS): Need to confirm at $392 x 4 begin 5/1/26, $1,861 x 56 begin 9/1/26; 100% to gucs;
- Add to confirming order Trustee standard order of distribution.
- Within 7 days must file Pre-confirmation certification.

1. BELOW ISSUES STILL NOT RESOLVED. NO PROOF PROVIDED.

8/4/26: MK: Debtor has provided information on the pension loan as requested- waiting for proofs on the auto purchase - adj to 8/26/26 PEREMPTORY

8/5/26 (DS): Need to confirm at $392 x 4 begin 5/1/26, $1,861 x 56 begin 9/1/26; 100% to gucs;
- Add to confirming order Trustee standard order of distribution.
- Within 7 days must file Pre-confirmation certification.

MK: Atty now knows how we came up w/more income - Debtor took out a pension loan Dec 2025 to buy auto making pension loan essentially a car loan and a car loan can be deducted From 122C - Mk not sure on that logic

As of 7/14/26 (DS): 1. Bar date has passed 7/7/26, late claim was filed by Citibank/Costco for $2,119.92 does Debtor want to pay the claim?

Recommend confirming at $392 x 3 begin 5/1/26, $1,836 x 57 begin 8/1/26; 100% to gucs;
- Add to confirming order Trustee standard order of distribution.
- Within 7 days must file Pre-confirmation certification.

1. Trustee obj to the following:
- 22C has disposable income on Line 45 is $6,627, deducting total $4,954.82 Schedule I payroll deductions, would leave disposable income $1,672.81-$27.95 IRS tax claim difference=$1,644.86 and require a min. div. $98,692 to gucs. BAR DATE HAS PASSED TOTAL GUCS FILED $90,042.77
- Verified income leaves monthly disposable income of $1,648.
- Amend 22C, fails to list all deductions on Line 13b, 16, 17 and 25.
- Add to confirming order Trustee standard order of distribution.
- Must file Pre-confirmation certification.

Prop Plan $392 x 60 begin 5/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14760 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $600.00
As of 9/2/26(mk)
Payment needs to increase to cover 100%


plan $600x60 100% plan
4/5payments
--------------------RESOLVED------------------
St. OF NJ filed an Estimated claim #34-1. APOC FILED
There is $90 non-exempt equity in the 2013 Lexus and 41,440 in real property that is the subject of a fraudulent transfer- AS Long as plan remains 100% it is ok
- Debtor removed herself form the Deed on the real property 8 months before filing at the advice of her husband. This is considered a fraudulent transfer. Trustee is asserting that any non-exempt equity should be paid to creditors. PLAN MUST REMAIN 100% LANGUAGE ADDED TO TERMS
1. IRS unsecured claim filed in the amount of $206,280.26. MOTION TO MODIFY ON FOR 8/26/26- that was w/d as APOC filed for -0-

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14974 / CMGEric J. Clayman, Esq.Confirmation HearingPending WorkupDebtor has made 3 of 4 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15078 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 4 required payments   Arrears: $2,400.00
9/16 for orders

As of 8/21/26 (DS): 1. ISSUES NOT RESOLVED:
- NO ORDERS ENTERED ON 6/3/26 HEARINGS OTBS ON DOC #3 & #17. NEED ORDERS.
- PLANET HOME (CHARLES WOHLRAB) OBJ ARREARS MORE POC FILED ARREARS $60,700.25. MUST RESOLVE.
- NE EQUITY $822,025. PLAN PROPOSE 100%. TOTAL GUCS FILED $24,951.41.
- MUST FILE PRE-CONFIRMATION CERT.

7/14/26 (DS): Debtor atty requested adj to pass bar date, to allow time to review mtg claim and resolve creditor obj.

7/10/26 (DS): 1. Trustee obj to the following:
- 22C has excessive expenses Line Optional Tele Services $535 and Line 30 Additional Food/Clothing $77. Plan propose 100%.
- Disposable income verifies $1,970. Plan propose 100%.
- There is non-exempt equity in the residence $542,025 and $280,000 in 260 Mott Realty total $822,025. TOTAL GUCS FILED $24,951.41.
- Must file Pre-confirmation certification.

2. Planet Home (CHARLES WOHLRAB) obj arrears owed are way more $60,700.25, plan has $35,000, POC filed arrears $60,700.25. Must resolve obj.

Prop Plan $800 x 3 begin 6/1/26; $2,400 x 57 begin 12/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15090 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 8/14/2026 (at):

THIS PLAN IS NOT FEASIBLE.

1. Objection filed by Deutsche Bank (Padgett) - failure to cure arrears of $370,085.22. (Per claim) Plan does not list this creditor. (UNRESOLVED - PAY PER CLAIM - DEBTOR DOES NOT AGREE TO THESE TERMS)

2. Objection filed by HSBC Bank (McCalla Raymer) - failure to cure arrears of $1,106,015.52 (Per claim). A loan modification is speculative. Plan is not feasible. (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):
- Proof of 2 month's income - for non filing spouse. (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - Policy provided expires on
8/20/26.
- Need to resolve objection by Deutsche Bank. (LISTED ABOVE)
- Need to resolve objection by HSBC Bank. (LISTED ABOVE)
- The attorney's fees in the plan ($0) and the disclosure statement ($1,750) do not agree. One of these must be amended. (NEITHER AMENDED)

Plan proposes: $500 x 36 beginning 6/1/2026, loan modification by December 2026, $22,277.06 to unsecured creditors
Payments: 3/3
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15388 / CMGTimothy P. Duggan, Esq. Order Vacate Dismissal of CaseRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 4 required payments   Arrears: $0
AS OF 9/4/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/0
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15690 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $4,200.00
AS OF 9/4/2026 (at):

DEBTORS HAVE MADE TWO OF FOUR TRUSTEE PAYMENTS.

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

2. Objection filed by Towne Mortgage (Hladik Onorato) - failure to cure full arrears of $101,565.09 (Per POC). Plan proposes to pay $94,307.31. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):- A copy of the last filed tax return - for 2025 with all schedules. (NOT RECEIVED)
- Disability income from Co-debtor for the month of May 2026. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Must service all creditors in motions. (CERT OF SERVICE FILED 6/26/26)
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Must resolve IRS estimated tax claim, 2020-2025 not filed. (STILL ESTIMATED)
- need updated income from debtor when she returns to work in Sept 2026 (LANGUAGE ADDED)

Plan proposes: $2,100 x 18 beginning 6/1/2026, $3,060 x 42, 0% to unsecured creditors
Payments: 2/4, arrears $4,200
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15843 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,200.00
UPDATED 8/19/2026 (JMA)
Issues as of 7/7/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $1,000/month for food for two; $450/month for clothing;
$450/month for personal care; $912.50/month for transportation; $400/month for medical/dental; $850/month for charitable contributions;
$830/month for student loans. Need proof of excessive expenses 10 days prior to confirmation. PROOF OF EXPENSES NEEDS TO BE ORGANIZED BY CATEGORY.
- The attorney's fees in the plan ($4,250) and the disclosure statement ($4,550) do not agree. NOT FILED TO DATE
- One of these must be amended.
- Need to provide actual bank statements for acct #4635, documents provided for miscellaneous expense are not sufficient.
- DEBTOR PROVIED STATEMENT SHOWING PAYMENT OF $5,450 IN JUNE 2026.

proposed plan $1200X30, $1890X30 100% PLAN
paid in $2400
last claim 9-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- Acct #6445 provides proof of student loan expenses - RESOLVED
- Acct #4635 provided statement of ezpass transactions from 5/1/2026 to 7/14/2026 - RESOLVED
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15921 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 4 required payments   Arrears: $1,000.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by Credit Union of NJ (McKenna DuPont) - failure to cure arrears of $541.75. Plan does not list this creditor at all. (UNRESOLVED)

2. Objection filed by Credit Acceptance (Eisenberg Gold) - creditor wants $9,409.97 at 9.5% interest and adequate protection payments. (UNRESOLVED)

3. Trustee's objection:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,133 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $250 x 60 beginning 6/1/2026, base
Payments: 0/4, arrears $1,000
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15928 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $4,360.00
issues as of 9/4/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file a feasible plan that proposes a tier plan when 401(k) loan $229 ends 7/16/28 and tier plan when car payment $525 ends in month 20.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return and all Schedules for 2025 Tax returns 1040.
- Statements from Wells Fargo accts#3342 and #4522 from 4/8/26-5/26/26, Princeton FCU acct#9016 from 5/1/26-5/26/26 and Wells Fargo svgs acct#1783 from 5/1/26-5/26/26.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Childcare $1,340, Medical $458 and Misc. expenses $415. Must provide proof of expenses 10 days prior to confirmation.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C.  1325(a)(3)
- 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 $56,113, 2019 Honda $1,025, Brokerage $51,043 and bank accts pending updated bank statements.
- The Plan divides unsecured claims into classes with no rational basis and discriminates unfairly against a class in violation of 11 U.S.C.  1322(b)(1). Specifically: Proposes to pay two unsecured credit cards Credit One Bank, but only propose a Base to all other unsecured
creditors.
- Add to confirming order Debtors to provide updated proof of income by 1/1/27.
- 22C incorrectly adds unemployment income amount. It has $1,058, but Debtor receives $529 weekly, which should be $2,290.57 monthly. Also did Debtor work prior to February? Is there income for Dec. & Jan that should have been added on 22C for the Debtor? How about the
ta
Email InquiryMatter ResolvedRequest
Adjournment
1539/16/2026 10:00 am26-15972 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 4 required payments   Arrears: $2,004.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE LESS THAN TWO OF FOUR TRUSTEE PAYMENTS.

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

2. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure full arrears of $22,702.13 (Per POC). Plan proposes to pay $21,112.02. (RESOLVED - PAY PER CLAIM)

3. Objection filed by Santander (Eisenberg Gold) - creditor wants to right to repossess and sell the vehicle and file a deficiency claim for any remaining balance. (UNRESOLVED)

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $754 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 $204,016 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $766 x 60 beginning 6/1/2026, 100% plan
Payments: less than 2/4, arrears $2,004.46
Email InquiryMatter ResolvedRequest
Adjournment
1549/16/2026 10:00 am26-16012 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $4,644.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE TWO OF FOUR TRUSTEE PAYMENTS.

1. Objection filed by US Bank (Roberson Anschutz) - 3276 Oceanic Drive - failure to cure full arrears of $59,824.71 (Per obj, no claim yet). Plan proposes to pay $50,429.60. (UNRESOLVED)

2. Objection filed by New Rez - 3230 Meadow Street - failure to cure arrears of $78,519.08 (Per objection, no claim yet). Plan proposes to pay $27,605.82. (UNRSOLVED)

3. Objection filed by Citigroup Mortgage (Hladik, Onorato) - 102 Colonial Court - failure to cure arrears of $2,281.24 (Per claim). Plan does not list this creditor. (UNRESOLVED)

4. Objection filed by Ally Capital (McCalla Raymer) - creditor wants to reserve the right to amend the claim after the car is sold to reflect any deficiency. (UNRESOLVED)

5. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information Must provide copy of Court order for $1500 support payment and DSO information sheets.
- A copy of the last filed tax return - Must provide copy of 2025 Tax Return
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
1) Excessive expenses on Schedule J: $1255 food for 1 person; $1500 Maintenance; $500 upkeep; Plan is 100%
2) Disposable income per 122C line 45 is $5768.86 which requires minimum dividend of $346,080 to general unsecured creditors
3) Disposable income per Schedules I and J verify at $5108. Plan length may need to be shortened.- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
1) There is estimated nonexempt equity of $575,355 in real estate.
2) There is estimated nonexempt equity of $205,000 in businesses
- Must
Email InquiryMatter ResolvedRequest
Adjournment
1599/16/2026 10:00 am26-16096 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $3,402.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE TWO OF FOUR TRUSTEE PAYMENTS.

Trustee's objection:
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Bridgecrest Acceptance/Carvana. (CERT OF SERVICE FILED)
- need more detailed information on the value of the real property. The internet values the property much higher than the Equifax submitted. (RECEIVED NEW CMA - NON EXEMPT EQUITY IS $59,225)

Plan proposes: $1,701 x 60 beginning 6/1/2026, $0 to unsecured creditors
Payments: 2/4, arrears $3,402
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16206 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $200.00
issues as of 9/4/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation - RESOLVED, DEBTOR PAYING WITH TFS
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, PROVIDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $3,042/month mortgage payment (per claim payment is $2,875)- Need to resolve objection by US Bank
2) US Bank (RASC) objection to confirmation - NEED TO RESOLVE
- The Plan proposes to cure Secured Creditors claim through a Loan Modification but with no date for when it must be obtained.
3) Plan proposes a loan mod without provided a date.

proposed plan $200X60 LOAN MOD PER ORDER 100% PLAN
paid in $400
last claim 1-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16317 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
updated 8/24/2026 (JMA)
issues as of 8/21/2026 (JMA)

1) Rocket Mortgage LLC (Stern & Eisenberg, PC) objection to confirmation - NEED TO RESOLVE
- Secured Creditor is in the process of preparing its Proof of Claim (hereinafter, the "Claim") to be filed by the established Bar Date which will evidence a mortgage lien on the Property, with pre-petition arrears, in the amount of $1,019.17.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED TO DATE
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income for July and August from new employment.
- TD Bank savings acct statements from 4/3/26-6/3/26.
- Amendments to Schedules B to add TD Bank chkg acct $498 and amend Sched I to add updated employment income.
- The current Plan does not specify treatment of Rocket Mortgage with arrears $1,630.50 under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the checking acct #075 balance $498 and savings acct #5738 balance $1,040.94. Only provided 1 statement for each account.
- Add to confirming order non-exempt proceeds from lawsuit against old business partner to Trustee.
- Must resolve creditor objection.

proposed plan $180x36 base plan
paid in $540
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16342 / CMGRebecca Schore, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
1669/16/2026 10:00 am26-16593 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,861.00
As of 8/4/26 (DS): 1. No Trustee payments made, Debtor in arrears $933, made 0 out of 1 payments soon 2. 1 PAYMENT MADE 8/3/26 $937.99

2. Trustee obj to the following:
- There is non-exempt equity in the residence $7,036 and Santander Bank acct#563 $3,631 total $10,667.
- 22C fails to add tax refund $358.25 there would be disposable income $512.12, which would require min. div. $30,727 to gucs.
- Add to confirming order non-exempt proceeds from lawsuit to Trustee.
- Arrears claim filed by Capital One Auto for $381.56, needs to be paid.
- Must resolve IRS and State of NJ estimated claims, 2020 and 2021, 2024 and 2025 not filed.

Prop Plan $933 x 60 begin 7/1/26; Base
Note: Updated homeowner insurance and PNC PNC Bank acct provided and ok.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16622 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $500.00
AS OF 8/25/2026 (at):

1. Objection filed by Lakeview Loan (Brock & Scott) - failure to cure full arrears. (RESOLVED - PAY PER POC)

2. Objection filed by PennyMac (Powers Kirn) - failure to cure arrears of $1,795.16. (Per POC). Plan proposes to pay $0. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of pension income - from spouse, only receive VA income and that verifies $2,277. (PROOF OF PENSION NOT RECEIVED)
- Business profit & loss statements (RECEIVED)
- Business forms:
- from Coaching that Counts, LLC. (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for rental property, expired 8/11/26. (RECEIVED)
- Statements from Chase Bank acct#7026 and BCB Bankcorp Computershare from 4/8/26-6/8/26 (NOT RECEIVED)
- Debtor's 401(k) loan balance statement prior to filing date. (NOT RECEIVED)
- Amendments to Schedules A/B and C to add Bluevine Bank acct#5714 has $6,164. (NOT AMENDED)
- The debtor has undertaken an improper use of exemption. Specifically: Taking both State and Federal exemptions. (AMENDED C NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Internet/Cable $268, Medical $602, 2nd property mortgage $2,781 and maintenance $100 (only receiving rental income $500).
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,548 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 non-exempt equity in the residence and rental property, Bluevine Bank $6,164, BCB Bankcorp $3,107 (NON EXEMPT EQUITY IN REAL ESTATE IS $243,972 - LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Tr
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16640 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $780.00
7/9/16:mk: atty says POC #1 is car lease and will pay arrears thru plan- it is assumed in part 6 of plan
Email InquiryMatter ResolvedRequest
Adjournment
1709/16/2026 10:00 am26-16692 / CMGErik Frins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 3 required payments   Arrears: $1,588.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE ONE OF THREE TRUSTEE PAYMENTS.

1. Objection filed by Ally Capital (Stewart Legal) - failure to pay full claim of $13,775.67. Plan proposes to pay $13,260. (RESOLVED - CREDITOR TO BE PAID $17,057.50)

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

Plan proposes: $995.21 x 36 beginning 7/1/2026, base
Payments: 1/3, arrears $1,587.63
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16786 / CMGEvan N. Pickus, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $500.00
issues as of 9/3/2026 (JMA)

1) Capital One Auto Finance (Stewart Legal) objection to confirmation - NEED TO RESOLVE
- Creditor filed claim 2-1 in the amount of $36,496.83.
- The Debtor's Plan includes a claim amount of $38,455 to be paid at an interest rete of 0%.
- Creditor objects to the proposed interest rate of 0% because the current US Prime Rate is 6.75% and, therefore, pursuant to the Supreme Court's interest in the rate formula promulgated in Till vs. SCS Credit Court, an appropriate rate of interest is 9/75%. 541 US 465 (2004)
2) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE - CONSENT ORDER RESOLVING OBJECTION TO CONFIRMATION
- The Debtors agree that they shall cure the full amount of Creditor's valid secured Proof of Claim (#18) which lists pre-petition arrears in the amount of $3,410.66.
- Debtors shall timely pay the monthly post-petition mortgage payment amount in the amount of $4,786.90 direct to creditor. Said amount is subject to changes in accordance with the terms of the note and mortgage
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return for 2025. NOT PROVIDED TO TRUSTEE TO DATE
- Acorn account statement showing amount of value from June.
- A Modified Plan that marks off 1e and put all secured claims in Part 4f, not 4g to be paid in full through plan, unless creditors are to be paid in full.
- Amendments to Schedules Sched B to correct year of Toyota Highlander to 2023, per auto insurance and provide valuation on vehicle.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: 22C has excessive expenses on Line 22 additional health care expense $183 and Line 29.
- Education for children under 18 $214.58 (Sched J does not give age of dependent and expense i
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16949 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $150.00
case is 100% so adj 1 cycle to be sure all claims are set up
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16989 / CMGAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17033 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,900.00
AS OF 8/19/26 (SF)

PLAN IS NOT FEASIBLE. CLAIMS ARE HIGHER. DISPOSABLE INCOME DOES NOT SUPPORT HIGHER PAYMENT. NEED EWAGE

RECOMMEND $4,100 PTD; $3,328 X 58 (BEGIN 9/1/26) 100% PLAN
- DEBTOR TO SIGN UP FOR EWAGE WITHIN 7 DAYS OF CONFIRMATION


1. Objection filed by Deutsche Bank (Joshua Goldman) - failure to pay arrears of $133,866.90 (RESOLVED VIA ORDER) No claim filed yet. The amount in the order is an estimated amount


Plan proposes $2000 x 12; $2700 x 48 100% Plan
Payments: 2/2




RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Need a copy of the homeowner's insurance renewal declaration (RECEIVED)

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17133 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,444.00
As of 8/21/26 (DS): Debtor atty requested adj to pass bar date.

As of 8/19/26 (DS): 1. Debtor failed to make July payment, only made August payment.

2. Trustee obj to the following:
- That disposable income verifies $3,341. RECOMMEND WAITING PASS BAR DATE 8/31/26.
- Tax refund was not included on Sched I, which is now part of disposable income.
- Need service to Toyota since cramming the interest rate.

Prop Plan $722 x 60 begin 7/1/26; 0%
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17170 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $726.00
AS OF 9/4/2026 (at):

RECOMMEND: $1,463 PAID TO DATE, $1,383 x 57 BEGINNING 10/1/2026, 100% PLAN
- Non exempt proceeds from class action law suit are to be turned over to the trustee.
- Preserve non exempt equity of $39,501 in real estate.
- Preserve non exempt equity of $9,478 in personal property.

Trustee's objection:
- 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 $39,501 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $9,478 in non exempt equity in the personal property. (LANGUAGE ADDED)
- Non exempt proceeds from class action law suit are to be turned over to the trustee. (LANGUAGE ADDED)

Plan proposes: $730 x 60 beginning 7/1/2026, 100% plan
Payments: 2/3, arrears $726.01
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17214 / CMGBarry Scott Miller, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 3 required payments   Arrears: $7,041.00
issues as of 9/4/2026 (JMA)

1) 341 not held, not rescheduled.
2) IRS priority claim estimated for 2022 to 2025 tax returns
3) Citizens Bank NA (McCabe Weisberg and Conway) objection to confirmation - NEED TO RESOVLE
- Debtors' Chapter 13 Plan does noy allow for the repayment of arrears in the amount of $1,030.43 as set forth in the Proof of Claim of Citizens Bank NA Claim #12.

proposed plan $2347x60 base
paid in $0
arrears $7,041
last claim 24-1
Email InquiryMatter ResolvedRequest
Adjournment
2039/16/2026 10:00 am26-17286 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,100.00
issues as of 9/3/2023 (JMA)

1) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Stewart Legal) objection to confirmation - NEED TO RESOLVE - CREDITOR HAS NOT FILED CLAIM TO DATE.
- Order submitted 8/25/2026 resolving objection to pay POC when claim filed.
- Secured Creditor is in the process of filing a Proof of Claim in the estimated amount of $228,787.37, including an anticipated arrearage in the amount of $56,472.11.
2) The bar deadline expires 9/2/2026. If a claim is not filed by 9/2/2026, debtor's counsel will have to file a proof of claim on behalf of NewRez d/b/a Shellpoint Mortgage.
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. NEED TO FILE
- Non-exempt equity from product liability claim and claim against insurance company are to be turned over to the trustee.

proposed plan $1,100x60 base plan
paid in $2,200
arrears $1,100
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17444 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $0
As of 9/3/26 (DS): 341 sched 10/15/26, no Trustee payments made, Plan does not propose any Trustee payments, which is not acceptable. Trustee will not adjourn confirmation hearing. Must appear to confirmation hearing.

9/2/26 (sf) Adj request denied, no payments
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17447 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,400.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17503 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $639.00
AS OF 9/4/2026 (at):

RECOMMEND: $1,278 PAID TO DATE, $821 x 57 BEGINNING 10/1/2026. 100% PLAN
- Need updated income for the debtor once employed.
- Preserve non exempt equity of $159,810 in real estate.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for the debtor once employed. (LANGUAGE ADDED)
- 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 $159,810 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $639 x 60 beginning 7/1/2026, 100% plan
Payments: 2/3, arrears $639
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17516 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 3 required payments   Arrears: $1,700.00
issues as of 9/4/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED TO DATE, TO BE FILED WITHIN 10 DAYS OF CONFIRMATION
- The debtor has failed to supply the Trustee with the following document(s): A copy of the homeowner's insurance renewal declaration not provided. NEED TO PROVIDE CURRENT HOMEOWNERS POLICY.

proposed plan $850x60 minimum $3,336 to gucs
paid in $850
arrears $1,700
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17630 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $500.00
As of 9/3/26 (DS): 341 sched 9/24/26, no Trustee payments made, Debtor in arrears $500, made 0 out of 2 payments. Will not adjourn confirmation hearing unless Trustee payment is made.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17725 / CMGRoman Akopian, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $211.00
341 not held - scheduled for 9/24
Payments: less than 1 payment received in the amount of $108.80 Arrears: $326.40


Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17726 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $3,264.00
AS OF 9/4/2026 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information for child support (NOT RECEIVED)

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):
- As of now, there is non exempt equity in 2 pieces of real property in the amount of $213,819 and $257,002. Plan is 100%. (LANGUAGE ADDED)

Plan proposes: $1,632 x 60 beginning 8/1/2026, 100% plan
Payments: 0/2, arrears $3,264
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17774 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $400.00
341 not held
No payments
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17783 / CMGPRO SEConfirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 1 of 2 required payments   Arrears: $200.00
341 Scheduled for 9/10/2026 - workup to be completed once hearing is held (JMA)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17790 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17792 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17834 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/4/2026 (at):

NEED HOMEOWNER'S INSURANCE.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information Danielle Halm (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - policy provided expired 7/28/2026, need to provide renewal (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Excessive expenses: Electricity $600/month;
- Form 122C-2 Line 45 monthly disposable income $170.14 which requires minimum $10,208.40

RESOLVED ISSUES:
- 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):
- There is $23,895.93 non-exempt equity in house. (LANGUAGE ADDED)
- Student loans outside plan (LANGUAGE ADDED)

Plan proposes: $1,018 x 60 beginning 8/1/2026, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17841 / CMGPRO SEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17866 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $2,053.00
AS OF 9/4/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $2,053
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17879 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $200.00
issues as of 9/3/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, PROVIDED
- The debtor must provide updated proof of auto insurance for the auto. The policy provided expires on 4/5/2027.
- IRS estimated claim.

proposed plan $200x42 base plan
paid in $200
arrears $200
last claim 10-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17939 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,004.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17974 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $60.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18030 / CMGJeffrey H. Ward, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $986.00
AS OF 9/3/26 (SF)

Trustee objection:



Plan proposes $986 x 60 Base
No Payments: 0 of 2 Arrears: $1972



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18049 / CMGScott M. Wilhelm, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $1,000.00
AS OF 9/3/2026 (at):

Trustee's objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when Debtor's pension loan $192 ends 8/21/28. (MODIFIED PLAN NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that marks off Part 5a unsecured creditors and propose Trustee standard order of distribution. (MODIFIED PLAN NOT FILED)
- Amendments to Schedules Statement of Financial Affairs to add PSECU acct#0001 was closed 5/2026 per docs provided states no further docs could be provided for June and July and add business Woman Rising Travel. (NOT AMENDED)
- 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 $1,114.84, which would require a min. div. $66,890 to gucs.
- Disposable income verifies $7,422, deduct the social security and VA benefits and disposable income will still verify $1,933.

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Statements from TD Bank acct#9237 from 5/18/26-7/15/26 and TD Bank acct#7876 from 6/14/26-7/15/26. (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 non-exempt equity in the residence $14,860, 2021 Toyota $12,545, 2014 Toyota $2,790, Bank acct#4982 $3,809 and pending from accts #9237 and #7876. (LANGUAGE ADDED)
- 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, 100% plan
Payments: 1/2, arrears $1,000
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18050 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,899.00
issues as of 9/3/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Need a statement for the spouse's 401k loan.
- 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 $2,663.31.
- 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 $20,422 in non-exempt equity in the residence.
- There is $15,555 in non-exempt equity in the personal property.
- Veridian Credit Union filed a bifurcated claim which needs to be resolved.

proposed plan $1,899x60 base plan
paid in $1,899
arrears $1,899
last claim 14-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18063 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,900.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18082 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/3/26 (SF)

1. Objection filed by Santander (Craig) - failure to pay claim in full plus 9.5% interest and failure to provide for adequate protection payments

2. Trustee objection:

- auto insurance expires on 9/3/26. Need proof of current insurance



Plan proposes $867.04 x 60 Base
Payments: 2/2



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18142 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 2 of 2 required payments   Arrears: $0
As of 9/3/26 (DS): 341 not held 9/3/26, still missing 2025 tax return
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18161 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $2,900.00
AS OF 9/3/2026 (at):

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

1. 341 is scheduled for 10/1/2026. (READY)
2. Payments: 1/2. arrears $2,900
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18165 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,500.00
issues as of 9/3/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor must provide proof of auto insurance for the two 2025 Kias. RESOLVED, PROVIDED
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): - Verified income leaves monthly disposable income of $3,415.70.
2) There are 4 per plan claims without filed claims - the Claims Bar Date expires 9/25/2026

proposed plan $1,000x1, $1,500x1 begin 9/1/2026, $2,500x58 begin 10/1/2026 base plan
paid in $1,000
arrears $1,500
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18361 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 2 required payments   Arrears: $606.00
issues as of 9/3/2026 (JMA)

1) To date debtor has not made payment to Trustee, arrears $606.
2) The Atlantic Federal Credit Union (McKenna Dupont) objection to confirmation - NEED TO RESOLVE
- A proof of claim was filed (claim 1-1) on behalf of the creditor outlining a secured vehicle account with a balance due of $30,447.92 with repetition arrears of $7,582.45.
- The Chapter 13 Plan filed outlines a cram-down of the vehicle lien to $5,000. Debtor has failed to provide proof of value to support the cram. Creditor requests that the proof of claim arrears be paid over the life of the plan.
- Debtors plan is not in good faith.
3) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor holds a security interest in the Debtor's residential property, by virtue of a Mortgage.
- Although Creditor has not yet filed its Proof of Claim, it is anticipated that the claim will include pre-petition arrearage totaling $4,083.27 whereas the plan proposes to pay only $0.00.
4) Trustee objection to confirmation - NEED TO RESOLVE
- 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 if Plan is amended to remove the Sale Plan.
- Domestic Support Obligation information - Need a statement (June/July) for the credit union account. $350 per paycheck goes into
that account.
- Amendments to Schedules I to list worker's compensation income.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $402/month for life insurance; $975/month car payment;
$222/month for alimony/support (this is deducted from his paycheck). Need proof of expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18368 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,300.00
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18426 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
as of 9/4/2026 (JMA)

ok to confirm at $200x36 begin 10/1/2026 base plan

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. DEBTOR USING EPAY FOR TRUSTEE PLAN PAYMENTS
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor must provide proof of auto insurance for the 2014 Honda and 2020 Nissan. RESOLVED, RENEWAL PROVIDED EXPIRATION DATE 4/27/2027

proposed plan $200x36 base plan
paid in $400
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18660 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
as of 9/6/2026 debtor is now current with Trustee plan payments. - atty may request adjournment of confirmation to allow 341 to be held on 9/24/2026

8/10/26 (sf) Adj request denied. No payments.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm23-11025 / CMGCharles D. Whelan, III, Esq.Motion CompensationNeeds Resolution of Issues - ObjectionsMk TR limited Objection - atty used and outdate form of certification for fees.

fees paid outside at closing
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm24-16290 / CMGBruce C. Truesdale, Esq.Motion CompensationRecommend Grantingmk Amended cert provided- now ok



Tr obj<>
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm25-13041 / CMGAllen I. Gorski, Esq.Motion CompensationRevised Order Submittedrevised order submitted 8/31 for fees outside

MK case completed at 100% - fees need to be paid outside the plan
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm25-18853 / CMGCarlos D. Martinez, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm25-22489 / CMGJoan Sirkis Warren, Esq.Motion CompensationNo Opposition FiledCH 7 TRUSTEE
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm26-12481 / CMGKarina Pia Lucid, Esq.Motion CompensationOrder to be Submittedcase was dismissed before confirmation

3 creditors filed POCs- IRS for 309.44 and 2 unsecured creditors
debtor was on unemployment at filing- negative disposable income
LL never filed a POC for prepetition arrears but did file an MFR


total fees 5963.50 atty re'c 2,500 outside plan so total fees left to be paid should be 3463.50 of which TR FOH are 1,389 thru plan and balance of 2,074.50 outside the plan.

plan: $300 X 6; $740 X 30; BASE
LL filed a Motion for relief and that was granted
case filed March 2026 -341 held 5/21 MFR by LL on 6/24- and adj to 7/15 and granted Conf 8/6- dismiss/hold fees
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm26-12929 / CMGAndy Winchell, Esq.Motion CompensationRecommend Granting
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm26-15525 / CMGJustin M. Gillman, Esq.Motion CompensationRecommend Granting
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes