ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Eamonn J. O'Hagan

Hearing Date: 9/23/2026
Last Updated: 8/21/2026 1:36 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am19-26083 / EJOMelinda D. Middlebrooks, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledFAILED TO PAY PLAN BALANCE/84 MO PLAN EXPIRED
Email InquiryMatter ResolvedRequest
Adjournment
169/23/2026 9:00 am22-13660 / EJOThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objections7/1 - Atty to file MP within 10 days - ADJ 8/12 for Conf - may need to be ADJ after scheduling (dm)

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am22-15527 / EJOCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> SELENE FINANCE (ras)
Email InquiryMatter ResolvedRequest
Adjournment
229/23/2026 9:00 am23-11786 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsADJ to 9/23/26 Peremptory (dm)

amt: loss mit now extended to 7/23/26<>

Debtor obj<>FAILED TO LM BY 6/30/25; EXT LOSS MIT EXPIRED 3/7/26
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am24-10317 / EJOPeter J. Broege, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
319/23/2026 9:00 am24-11579 / EJOLaurence R. Sheller, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsLarry has $1,070 in cash - debtor is a home health aide - need TFS auto pay - ADJ to 9/23 (dm)

Last payment made in April (dm)

Debtor obj, requests time to bring current<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am24-18719 / EJOWilliam P. Bonomo, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>DEUTSCHE BANK (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am24-20978 / EJODaniel E. Straffi, Esq.Motion Relief from Co-Debtor Stay3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am24-20978 / EJODaniel E. Straffi, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am24-21614 / EJOJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)3rd Party MatterREGIONS BANK (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
389/23/2026 9:00 am24-22784 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsADJ to 9/23 for MP at 100%

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-12637 / MBKRobert Cameron Legg, Esq.Motion Prospective Relief3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-12637 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
449/23/2026 9:00 am25-13483 / EJOJoseph Casello, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTFS $4,936 posted - still owes for Aug (dm)

Debtor obj, made $4936 payment<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-19070 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: LOSS MIT EXT 8/3/26<>

Debtor obj, filing for loss mit extension<>FAILED TO LM BY 12/31/25

Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-19164 / EJOJames J. Cerbone, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterROCKET MTG (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-19225 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-19498 / EJODaniel E. Straffi, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, requests recap<> FREEDOM MTG (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
639/23/2026 9:00 am25-19498 / EJODaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>CAPITAL ONE AUTO (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
629/23/2026 9:00 am25-19498 / EJODaniel E. Straffi, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-21830 / EJOJohn Zimnis, Esq.AP Motion Motion (Generic) - Only use if no other event is applicableJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-22528 / EJOMaryBeth Schroeder, Esq.Motion Relief from Stay (Fee)3rd Party MatterPENNYMAC LOAN (FRENKEL)
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsTrustee obj<>MTN OBJ TO POC #9/FOUNDATION FINANCE
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion ReconsiderNo Opposition FiledMTN TO RECONSIDER MFR ORDER #40 GRANTING STAY RELIEF
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-22768 / EJOWarren Brumel, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>FREEDOM MTG (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am25-22800 / EJOYakov Rudikh, Esq.Motion Relief from Stay (Fee)3rd Party MatterHARLEY-DAVIDSON CREDIT CORP (STWEART)
Email InquiryMatter ResolvedRequest
Adjournment
769/23/2026 9:00 am26-10171 / EJOJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP Conf

Did Debtor receive the Trial Mod? Yes (dm)

Debtor qualifies for Trial Payment on a Partial Claim (dm)

Debtor obj<>PLAN WAS DENIED ON 5/20/26 AND FAILED TO FILE A MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am26-10679 / EJOJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am26-12848 / EJORobert Cameron Legg, Esq.Motion Relief from Stay (Fee)No Opposition FiledDebtor obj<>ONITY MTG (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
929/23/2026 9:00 am26-13368 / EJORobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
AR NOTE
LENDER POST PET 8240 LAST PAY 4-1-26 4000 APPLIED
LOAN APP PER DEBTOR - NO LOSS MIT APP SUBMITTED

Debtor obj<>TH MSR HOLDINGS (ALBERTELLI LAW)
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am26-15268 / EJOValerie Palma DeLuisi, Esq.Motion Reopen Ch. 13 Case (fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am26-15268 / EJOValerie Palma DeLuisi, Esq.Motion Reinstate Stay3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 9:00 am26-15268 / EJOValerie Palma DeLuisi, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
1029/23/2026 9:00 am26-17973 / EJODavid G. Beslow, Esq.Motion Extend TimeNo Opposition FiledADJ to 9/23 - Atty to submit a Bridge Order
MTN EXT STAY
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am22-13660 / EJOThomas J. Orr, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 38 of 51 required payments   Arrears: $7,188.00
AS OF 8/5/26 (SF)

1) Trustee OBJ:
- MP does not pay required $31,978 threshold dividend to GUCs per confirmed plan.
- MP does not address $6,356 arrears as MP filed.
- Need updated proof of income. (RECEIVED FOR SPOUSE. NEED TO RESEND PROOF OF SOCIAL SECURITY INCOME. SUBMITTED AS A SECURED DOCUMENT THAT CANNOT BE OPENED)

2) Trustee motion to dismiss scheduled for 8/12 at 9


Confirmed Case: $2,620 PTD, $960 x 56, Base Plan with $31,978 Min Div
Prop. MP: $42,731.75 PTD, $300 x 11, Base Plan
- debtor has health issues ... approved for SSD.
PTD = $42,731.75, Arrears $6,356 as MP filed in July.
Last Claim (17-2) dated 12/31/24
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am22-14862 / EJORobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 32 of 50 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1119/23/2026 10:00 am25-19498 / EJODaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 11 required payments   Arrears: $4,453.00
As of 8/6/26 (DS): 1. MFR filed by Capital One Auto, Debtor owes post-pet arrears $5,354.82 from 10/15/25-6/15/26. Sched 8/12/26, need outcome.

2. Cert of default filed by Freedom Mtg, Debtor in default from 5/1/26-7/6/26 total $6,360, sched 8/12/26, need outcome.

3. Mod Plan fails to mention and add arrears owed to Capital One $20, Freedom Mtg $4,706.63 and post-pet arrears to Freedom Mtg $10,538.48 plus mtg atty fees $699. List both creditors as outside and unaffected.

Trustee OBJ resolved, amended Sched I &J filed, 2025 tax return and POI provided.

MP Prop $1,400 PTD, $615 x 51, Base Plan - Extends plan from 36 to 60 months
NOTE: 2025 TAX RETURN AND PAY STUBS PROVIDED, PLUS AMENDED SCHED I & J FILED 8/2.
PTD = $2,015, Arrears $3,312 as MP filed in June.
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am25-22189 / EJOJonathan Stone, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 11 of 9 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1199/23/2026 10:00 am26-10171 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 9 of 7 required payments   Arrears: $3,525.00
ADJ to 9/23 Peremptory for copy of Bonus check
AR RESOLVE OR HOLD
ISSUES AS OF 8/7/2026 (DM):

***Still need 2025 tax returns (UPLOADED 8/10). Disposable income is still significantly higher than scheduled - need a copy of the Bonus check so I can try and prorate the amount over a 12-month period. Without it, the most recent pay stub from May is showing $82,948.07 YTD Net or $16,589 per month average***

1) State of NJ filed $16,323.91 amended secured claim not treated in the plan. (OKAY TO PAY??)

2) Mt. Holly MUA filed $442.32 secured claim not treated in the plan - in the MP as a priority. (OKAY TO PAY??)

3) Trustee OBJ:
- Need 2025 tax return. (UNRESOLVED)
- Excessive Expense Sch J: $620 Medical/dental and $987 Car payment (AMENDED SCH J CHANGED MEDICAL EXPENSE TO $400.)
- Disposable income verifies at $8,791 per month - debtor failed to prorate bonus income. Case is above median - once all claims are resolved, I will review and determine what the disposable income is on Line #45.

***RESOLVED ISSUES***

A) IRS filed $59,399.91 priority claim that includes estimated taxes for 2025 (AMENDED TO $82,628.63.)

 MFR filed by Freedom Mortgage (BROCK) pending. (CO SUBMITTED - $29k ARREARS TO BE CAPITALIZED INTO LOAN MOD IF APPROVED)

B) Freedom Mtg (BROCK) OBJs - $58,048.31 arrears on real estate. (CO ENTERED TO PAY. MP CHANGES TREATMENT TO NO PAY - DEBTOR RECEIVED A TRIAL MOD? - NO OBJ TO MP FILED)

C) Capital One Auto (GAVIN STEWART) OBJs - plan propose to pay 2023 Kia Telluride claim in full including interest. Claim is filed for a higher amount (MP CHANGES TREATMENT TO PAY JUST THE ARREARS - NO OBJ FILED TO THE MP.)

Note: Amended Sched A/B and C filed to add child support. HUD for sale of Nottingham and purchase of residence provided. Updated auto insurance provided.


Prop. Plan $2,500 x 2, $3,099 x 3, $1,614 x 55, Base Plan
- Loan Mod by 10/2026 (on Trial Plan)
- student loans outside plan.
PTD 5/7 = $14,000
Last Claim (4-2)
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-11457 / EJOPRO SEConfirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 6 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-11488 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
AS OF 8/6/26 (SF)

1. Motion for Relief by Westlake Financial scheduled for 9/2/26 at 9

2. Trustee objection:

- The debtor has insufficient income.

- The debtor has failed to file a feasible plan - There is insufficient income to fund this plan .

- Must provide Proof of 2 month's income - for spouse once she returns to work. (STILL NEED AMENDED SCHEDULE I AND 2 MONTHS PROOF OF INCOME FOR DEBTOR AND SPOUSE. JUNE AND JULY 2026 PAY STUBS)

- Need Amendments to Schedules I & J for new job Need proof of income for spouse once she returns to work.

- Plan need a minimum of 16,000 to cover what debtor spent in cash in the 3mos prior to filing.

- need update proof of income for new job debtor started

Plan proposes $250 x 6; $554 x 54 Base Plan w/min div of $17,703.27 to gucs
Payments: 5/6 Arrears: $250



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- IRS filed estimated priority claim (AMENDED)
- The plan proposes to pay arrears in the amount of $12,581 to WestLake Portfolio for a 2015 Volkswagon. The arrears are only $3516.64. Does the debtor want to pay the claim in full? MP FILED
- No claim has been filed for Devin V. Reid. Should this claim be stricken from plan? MP REMOVES CLAIM
- The plan proposes to pay a DSO obligation. Must complete DSO Information Sheet and submit to the Trustee (RECEIVED)
- Need a copy of the last filed tax return - for 2025 by 5/31/2026. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
1349/23/2026 10:00 am26-11787 / EJOMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $1,728.00
ISSUES AS OF 8/7/2026 (DM):

1) IRS objection (Doc #22) - debtors have unpaid federal tax liabilities for numerous tax years preceding the petition date totaling $168,704.54. Plan is not feasible. (UNRESOLVED)

2) Plan provides $14,000 priority treatment to the State of NJ - Gov Bar has not expired but no POC filed yet. (STRIKE OR KEEP PER PLAN??)

3) Carvana/BridgeCrest filed $455 arrears claim on 2021 BMW X5 (OKAY TO PAY??)

***RESOLVED ISSUES***

A) Citi Mortgage (Powers Kirn) OBJs - $61,591.22 arrears on real estate. (CO ENTERED - PAY PER CLAIM)

B) Trustee OBJ:
- IRS filed an estimated claim which needs to be amended. (AMENDED)
- Need 2025 tax return by 5/31/26. (RECEIVED)
- Need a statement for the debtor's save plan loan. (LOAN PAID OFF IN MONTH 8 OF PLAN. ADDITIONAL $150/MONTH IN INCOME BEGINNING MONTH 9)
- Excessive Expenses: $608 cable/internet/phone, $438 & $436 car payments (only one car lien listed on Sch D). Need proof of expenses 10 days prior to confirmation. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)


Prop. Plan $900 x 60, Base Plan
PTD 4/6 = $3,672
Last Claim (2-2)
Email InquiryMatter ResolvedRequest
Adjournment
1359/23/2026 10:00 am26-12045 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $1,800.00
ADJ to 9/23 to confirm or dismiss per AR
ISSUES AS OF 8/7/2026 (DM):

***2 prior dismissals - as of 8/7/26 the debtor is 2 Trustee payments behind - RECOMMEND DISMISSAL. Trustee may seek 1 year bar to refiling***

 ADJ to 8/12 Peremptory

1) State of NJ filed $30,122.61 amended priority claim that includes estimated taxes for 2025 (UNRESOLVED.)

2) State of NJ filed an amended general unsecured claim that includes estimated taxes for 2017 (UNRESOLVED.)

3) Santander filed a bifurcated claim on 2023 Chevy Silverado consisting of $32,100 secured, $9,122.52 unsecured, and $20,006.95 in arrears (PAY ARREARS AND TREAT BIFURCATED CLAIM AS SECURED UNAFFECTED OUTSIDE THE PLAN??)

***RESOLVED ISSUES***

A) IRS filed $133,331.42 priority claim that includes estimated taxes for 2025. (AMENDED)

B) NJHMFA (PLUESE) OBJs - $76,177.88 arrears on real estate (OTBS TO PAY PER POC.)

C) The attorney's fees in the plan ($2,758) and the disclosure statement ($2,958) do not agree. One of these must be amended. (AMENDED ATTY DISCLOSURE FILED)

D) Trustee OBJ:
- Need proof of income for wife's part time job (RECEIVED.)
- Need amended Sch I for wife's part-time job. (AMENDED)
- There is $73,238 non-exempt equity in house.
- There is $73,325 non-exempt equity in figurines and autographs.
- There is $3,200 non-exempt equity in bank accounts - debtor states atty holding the $3,200 as Trustee plan payment.
- There is 8,000 non-exempt equity in the 2014 Chevy Silverado.
- There is $4,975 non-exempt equity in the 2023 Chevy Silverado.
TOTAL NON-EXEMPT EQUIY $162,738 (ADJUSTED TO $159,538)


Prop. Plan $1,900 x 60, 100% Plan
PTD 4/6 = $7,700
Last Claim (12-2)
Email InquiryMatter ResolvedRequest
Adjournment
1379/23/2026 10:00 am26-12340 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
Per AR, ADJ to 9/23 Peremptory - suggests Bruce try and get a consent order preserving his rights/claim post confirmation

Adj Request uploaded BUT neither Rob nor Bruce responded to my email (dm)

ISSUES AS OF 8/7/2026 (DM):

1) Karly Mendoza-Diaz (Bruce Radowitz, Esq) OBJs
- First, a claim for Specific Performance to compel the Debtor to transfer ownership of real property.
- Second, should the specific performance be rejected or denied, the claim for money damages is set forth in the filed POC. Debtor is not devoting all disposable income to the proposed Base Plan.
- Third, this Court should grant relief from the Automatic Stay to allow the State Court proceedings on the issue of Specific Performance to continue until a judicial determination is entered.

2) Arrears for Select Portfolio came in higher at $18,156.64 (OKAY TO PAY??)

3) Trustee OBJ:
- Debtor has insufficient income.
- Excessive Expenses: $3,550 mtg payment.
- Need updated homeowner's insurance declaration - policy expired 4/17/26. (RECEIVED)
- Need updated auto insurance for 2025 Toyota - policy expired on 4/1/26. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)


Prop. Plan $300 x 60, Base Plan
PTD 5/5 = $1,500
Last Claim (11-1)
Email InquiryMatter ResolvedRequest
Adjournment
1429/23/2026 10:00 am26-12848 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $290.00
ISSUES AS OF 8/5/2026 (DM):

***If pending MFR does not impact confirmation, TO CONFIRM THE DEBTOR NEEDS $5,040 PTD, THEN $1,955 x 56 STARTING 8/1/26, 100% PLAN WITH $225,968 THRESHOLD PRESERVED, TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ PRIORITY POC (13-2), DEBTOR SHALL FILE A SECURED POC ON BEHALF OF TOMS RIVER MUA WITHIN 30 DAYS AFTER 9/14/26 IF NO CLAIM IS FILED BY THE CREDITOR BEFORE THE EXPIRATION OF THE GOV BAR DATE***

1) NJ Division of Taxation still estimated for 2024 taxes (AMENDED TO $2,545.13 - OKAY TO PAY??)

2) Plan provides $607.57 secured treatment to Toms River MUA - no claim filed. (STRIKE OR WAIT FOR 9/14/26 GOV BAR DATE??)

3) Trustee OBJ:
- Disposable income verifies at $5,712 per month. (SUFFICIENT THRESHOLD OF $225,968 TO KEEP PLAN AT 100% IF INCOME CHANGES)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Excessive Expense: Tele/cell/internet/cable $600. (100% PLAN)
- Form 22C has disposable income of $3,962.36. (100% PLAN)
- There is $198,721 non-exempt equity in the residence, $2,045 in 2016 Nissan, $19,442 in 2019 Chevy, Santander checking acct $1,782, Santander savings acct $1,752, TD Bank checking acct $2,133, Chase savings acct estimated $93 (pending bank statements) and Chase checking acct $310. Total equity $225,968. (100% PLAN)
- Need a copy of 2025 tax return. (RECEIVED)
- Need Feb & March bank statements from Chase Bank savings acct #0201. (RECEIVED)
- Debtor must provide updated proof of auto insurance for the 2019 Chevy Traverse. The policy provided expires on 5/14/26. (RECEIVED)


Prop. Plan $1,255 x 60, 100% Plan
- student loans outside plan.
PTD 4/5 = $5,040
Last Claim (13-2)
Email InquiryMatter ResolvedRequest
Adjournment
1449/23/2026 10:00 am26-13073 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $1,021.00
8/11 email to Cameron & AR regarding Gov Bar Date (dm)
ISSUES AS OF 8/5/2026 (DM): updated 8/10/26.

***Need POCs for NJMV and Capital One. Debtor will need $1,534 PTD, then $776 x 56 starting 8/1/26, Base Plan***

1) IRS filed estimated tax claim for 2025. (AMENDED - PRIORITY CLAIM IS HIGHER AT $18,295.01 - OKAY TO PAY??)

2) State of NJ filed estimated tax claim for 2025. (AMENDED - PRIORITY CLAIM IS $534.06 NOT TREATED IN THE PLAN - OKAY TO ADD??)

3) Plan proposes $14,058.84 priority treatment to NJMV - no claim filed. (STRIKE OR WAIT UNTIL 9/16/26 GOV BAR DATE??) AR, CANNOT STRIKE UNTIL AFTER BAR DATE.

4) Plan proposes to cram Capital One for a 2015 BMW 535 - no claim filed. (NEED A POC AND MOTION TO ALLOW LATE POC)

5) Trustee OBJ:
- Need a copy of 2025 tax return. (UPLOADED 8/6)
- Excessive expense for rent $3,800. (PER GIRLFRIEND CERT NOT SIGNED, DEBTOR PAYS HER MTG $3,503.91 (mtg statement) AND HOA $295 (no proof provided) TOTAL $3,798. GF PAYS ALL HOUSEHOLD EXP FOOD, UTILITIES, INTERNET, CABLE, CAR INSURANCE FOR BOTH, CAR PAYMENT, HIS DENTAL, CELL PHONES AND ANY BILLS, BUT SCH J HAS TELE/CELL $63, FOOD/PERSONAL CARE $950, AUTO INSURANCE $80 AND MEDICAL $75.)

Note: Motorcycle insurance provided and service to Capital One Auto done.

Prop. Plan $511 x 60, $0 Plan
PTD 3/5 = $1,534
Last Claim (10-2)
Email InquiryMatter ResolvedRequest
Adjournment
1469/23/2026 10:00 am26-13148 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $674.00
issues as of 8/6/2026 (JMA)

1) Not current with Trustee plan payments, arrears $1,348
2) IRS priority claim estimated for 2023 taxes - STILL NEED TO RESOLVE
3) NJ Division of Taxation priority claim estimated for 2014 taxes - STILL NEED TO RESOLVE
4) NJ Division of Taxation estimated for 2013-2014, 2023 taxes - STILL NEED TO RESOLVE
5) Ford Motor Credit Company LLC (Stewart Legal) - filed secured claim 1-1 in the amount of $31,981.68 including an arrearage in the amount of $807.85.
-The plan should be modified to conform to the total amount of the Creditors Proof of Claim, namely $31,981.68
8) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $1,159.64.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,454.00 when determining disposable income.
- The IRS filed an estimated claim which needs to be amended. CLAIM NOT AMENDED TO DATE
- Need to resolve objection by Nissan Motor Acceptance.
- Need to resolve objection by Ford Motor Company.
- Need to resolve objection by Ally Capital.
-Add vacation club timeshare to petition.
9) NJ Division of Taxation still estimated for 2014 taxes - NEED AMENDED CLAIM

proposed plan $674x60 base plan
paid in $0
arrears $2,022
last claim 10-1

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): Need February and March bank statements for Chase account 7098 and PNC account 6058 - RESOLVED, STATEMENTS PROVIDED FOR BOTH ACCOUNTS.
6) Nissan-Motor Acceptance Company - objection to confirmation - NEED TO RESOLVE
- Creditor filed Proof
Email InquiryMatter ResolvedRequest
Adjournment
1609/23/2026 10:00 am26-13364 / EJOAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 5 required payments   Arrears: $5,600.00
8/10/26 HUD JUST RECEIVED - NEEDS AUDIT

8/5/26 (sf) NO UPDATED INFO PROVIDED REGARDING SALE AND STILL ONLY 1 PAYMENT RECEIVED. ARREARS: $5600

Sale scheduled to close on 7/28 or 7/29 - ADJ to 8/12

1. Motion for relief filed by Navy FCU scheduled for 8/12/26 at 9 (MUST RESOLVE)

2. Objection filed by Navy Federal Credit Union (Lebron) - failure to pay arrears and speculative sale

3. State of NJ filed priority claim 16-2 in the amount of $13,577.14 which is not treated in the plan (OKAY TO PAY?)

4. BMW Bank of North America filed arrears claim 1-1 in the amount of $949.22 which is not treated in the plan (OKAY TO PAY?)

5. Four Oaks Neighborhood Condo Assoc filed bifurcated claim 5-1 with $6363 as secured, $2193 as unsecured and $8556 arrears. How should claim be paid?

6. Motion to Sell scheduled for 7/1/26 at 9 (GRANTED)

7. Trustee objection:

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

- Need copy of Brighthouse Financial Whole Life insurance policy statement which shows cash value
- Need 2 months (Feb & March) statements from Venmo accts.

- The debtor has undertaken an improper use of exemption. Specifically: The Trustee objects to Schedule C to the extent that exemptions taken for 100% of fair market value is vague, and the Trustee is unable to discern the actual amounts the debtor intends to employ on said exemptions. (AMENDED SCH C TAKES A d1 EXEMPTION FOR $15,775 -dm)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Home maintenance $450, Food $600 and Food away from home $200, Water $50 total groceries $850, Life insurance $285.83 and Car payment $949.

- There is estimated non-exempt equity in the residence $500,159, 2022 BMW $15,066, Brighthouse Life insurance $59,380 and any potential personal injury lawsuits/settlements claims and claims against any creditors. (PLAN WILL REQUIRE 100%)

- Add to confirming order non-exempt proceeds from sale of residence, potential lawsuits
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-13875 / EJOAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 4 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-13891 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
1559/23/2026 10:00 am26-14319 / EJORussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 8/11/2026 (at):

1. 341 is scheduled for 8/27/2026.
2. Payments: 3/4, arrears $875.53
Email InquiryMatter ResolvedRequest
Adjournment
1569/23/2026 10:00 am26-14324 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
TFS payment pending - ADJ 9/23
As of 8/12/26 (DS): 1. DEBTOR IN ARREARS $4,557, MADE 1 OUT OF 4 PAYMENTS, LAST PAYMENT MADE $1,700 ON 6/17/26. ATTY PROVIDED PROOF OF TFS PAYMENT MADE TODAY 8/12 $4,557

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $1,475.
- Must provide Balance statement from deduction on Debtor's pay stub listed as "LOAN" in the amount of
$387.83 and statements from Robinhood, Cash App and PayPal accts prior to filing date.
- Plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3), fails to propose the non-exempt equity in the residence $16,392 and Robinhood, CashApp and PayPal pending statements.
- Must resolve creditor obj.

3. NewRez (ELIZABETH HOLDREN) obj arrears owed are much more than $70,000, POC filed with arrears $90,064.77. Must resolve obj.

Prop Plan $1,700 x 1 begin 5/1/26; $1,519 x 59 begin 6/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-14376 / EJOMarc C. Capone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 4 required payments   Arrears: $3,830.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-14447 / EJOCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,712.00
As of 8/7/26 (DS): Debtor atty requested adj to allow time to dispute POC #1 & #3

As of 8/5/26 (DS): Need to confirm at $5,136 paid, $1,712 x 56 begin 9/1/26; 100% and Student loans to be treated outside

1. Trustee obj there is disposable income $5,500, plan is proposing 100%. Bar date has passed total gucs filed $81,060.23.

Prop Plan $1,712 x 60 begin 5/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
1609/23/2026 10:00 am26-14571 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
8/10/26 email exchange between Cameron & AR. Per AR, no need to file MP for 60 months since Cameron mistakenly thought they were below median. (dm)

AS OF 8/10/2026 (at):

1. Amended I and J filed 6/16/2026. Excessive expenses:
- $1,150/month for food for two
- $300/month for clothing
- $400/month for personal care
- $2,020/month for transportation
- $260/month for mother's lawn care
- $140/month for mother-in-law's housekeeper
- $140/month for mother-in-law's landscaper
- $300/month for debt expenses

2. Trustee's objection:
- Need statements for the Wells Fargo Brokerage account and TD account 2018. (RECEIVED TD STATEMENTS APRIL FOR TD BANK. WELLS FARGO BROKERAGE ACCOUNT STATEMENT RECEIVED)
- A Modified Plan that to address the IRS claim. (NOT FILED)
- The Plan needs to run 60 months pursuant to the B22C form. (MODIFIED PLAN NOT FILED)

RESOLVED ISSUES:
- A copy of the last filed tax return - for 2025 by 5/31/2026. (RECEIVED 2025 RETURN FOR BOTH)
- IRS also has very large secured claim that will make the plan not feasible. (PLENTY OF DISPOSABLE INCOME TO PAY THIS CLAIM)
- Income for non filing spouse was not included so once the schedules are amended and proof of her income provided then Tr will need to review that. May be more disposable income. (PROOF OF INCOME RECEIVED - DISPOSABLE INCOME IS $5,607 BASED ON ORIGINAL SCHEDULE J)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for non filing spouse. (RECEIVED)
- IRS estimated claim needs to be resolved. (NO LONGER ESTIMATED)
- Amendments to Schedules to sch i to add wife's income (AMENDED)

Plan proposes: $372 x 36 beginning 5/1/2026, $0 to unsecured creditors
Payments: 3/4, arrears $368
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-14726 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-14780 / EJOPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 4 required payments   Arrears: $1,200.00
Email InquiryMatter ResolvedRequest
Adjournment
1649/23/2026 10:00 am26-14853 / EJOJoseph Albanese, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $8,374.00
AR NOTE ATTY ADVISED DEBTOR NO LONGER EMPLOYED ( SO DOES NOT QUAILFY AS DEBTOR UNDER 10-9 ,TR ARREARS $8,374
LAST PAY 6-15 ,SUBSTANTIAL CONF ISSUES SET FORTH BELOW - ATTY WANT 2 CYCLE ADJ WHICH I CANT CONSENT - REC DISMISSAL AND FILE MOTION TO VACATE IF RESOLVED QUICKLY OR FILE NEW CASE
AS OF 8/10/2026 (at):

DEBTORS HAVE MADE TWO OF FOUR PAYMENTS.

1. Need a modified plan that checks off box 1e (joint administration). (MODIFIED PLAN NOT FILED)

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

3. Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$938/month for food
$247/month for roof repair
$802/month for transportation
$186/month for tolls
$56/month for additional gas
$150/month for anticipated tax payments
Need proof of expenses 10 days prior to confirmation. (RECEIVED PROOF OF TRANSPORTATION EXPENSE AND A BILL FOR $14,800 FOR ROOF REPAIR)
- 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):
- Per the 22C, monthly disposable income is $4,483 which requires a minimum dividend of $268,980 to general unsecured creditors.
- The attorneys' fees in the plan ($3,750) and the disclosure statement do not agree. The disclosure statement states that $3,750 will not be paid through the plan. One of these must be
amended. (DISCLOSURE AMENDED)

RESOLVED ISSUES:
- The IRS filed an estimated claim which needs to be amended for tax years 2021, 2022 and 2025. (NO LONGER ESTIMATED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- 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). (CLAIMS WIL
Email InquiryMatter ResolvedRequest
Adjournment
1689/23/2026 10:00 am26-15051 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,930.00
AS OF 8/10/2026 (at):
AR MFR BOAT (NOT LISTED IN PLAN)

1. Cambridge Manor Condo Association filed a bifurcated claim which needs to be resolved. (UNRESOLVED. Received email from Atty for creditor asking about claim treatment - dm)

2. Objection filed by LoanDepot.com (Albertelli Law) - failure to cure arrears of $32,972.70 (Per claim). Plan proposes to pay $0. (UNRESOLVED)

3. Objection filed by Rocket Mortgage (McCalla Raymer) - failure to cure arrears of $1,480.39 (Per claim). Plan proposes to pay $0. (RESOLVED - NEED TERMS)

4. Ford Motor Credit filed a secured arrears claim for $723.68 which is not in the plan. Is the debtor going to pay this claim?

5. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$850/month for home maintenance
$1,170/month for utilities
$600/month for clothing
$550/month for personal care
$1,050/month for medical and dental
$1,080/month for transportation
$750/month for entertainment
Need proof of expenses 10 days prior to confirmation. (NOT RECEIVED)
- Need statements for the debtor's (2) 401k loans. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2025 (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for Buckingham Circle . Policy expires on 5/30/26. (RECEIVED)
- Need a statement for the spouse's LOSP loan. (RECEIVED - LOAN NOW PAID OFF)
- The debtor must provide updated proof of auto insurance for the 2022 Ford and 2019 Subaru. The policy provided expires on 6/12/2026. (RECEIVED)
- The current Plan does not specify treatment of Ford Motor's secured arrears claim under the Plan. (LISTED ABOVE)
- 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):
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-15181 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1749/23/2026 10:00 am26-15904 / EJORyan L. Gentile, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,650.00
As of 8/11/26 (DS): Debtor atty requested adj, 341 sched 8/27/26
Email InquiryMatter ResolvedRequest
Adjournment
1769/23/2026 10:00 am26-16015 / EJOWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,500.00
AS OF 8/10/2026 (at):

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure arrears of $4,742.65 (Per POC). Plan proposes to pay $0. (RESOLVED - PAY PER POC)

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 $2,518. (100% PLAN)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The debtor must provide updated proof of auto insurance for the 2024 Infiniti. The policy provided has expired. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $161,581 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $1,500 x 12 beginning 6/1/2026, $2,100 x 48, 100% plan
Payments: 2/3, arrears $1,500
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16100 / EJOJoseph Casello, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $200.00
issues as of 8/6/2026 (JMA) proof of car insurance provided effective to 7/18/2026

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Disposable income verifies $-1,930. Debtor will need e-Wage.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income from child support Debtor receives. Document provided from 2025 is not recent.
- TPAF Loan balance statement prior to filing date and updated auto insurance for 2024 Jeep if not confirmed 8/12/26, expires 8/14/26.
- The debtor must provide proof of auto insurance for the 2024 Hyundai Kona.
- The current Plan does not specify treatment of Hyundai Lease (2024 Hyundai Kona) under the Plan.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C.  1325(a)(3).
- Plan fails to propose the non-exempt equity.

proposed plan $100x3, begin 6/1/2026. $650x57 begins 9/1/2026 base plan
paid in $100
arrears $200
last claim 8-1
Email InquiryMatter ResolvedRequest
Adjournment
1799/23/2026 10:00 am26-16188 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
TFS pending for 1798
AS OF 8/4/26 (SF) NO PAYMENTS

NO CLAIMS FILED YET

Trustee objection:

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

- Using proof of income provided, income is significantly higher than amount scheduled, $1,755.

- There is $158,741.64 non-exempt equity in house. (100% PLAN)



Plan proposes $899 x 60 100% Plan
No Payments: 0/2 Arrears: $1798



Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16236 / EJOCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 8/7/2026 (at):

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The current Plan does not specify treatment of the two Cross Country Mortgage claims and two Acar Leasing claims under the Plan. (100% PLAN)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $373,569 in non-exempt equity in the real estate. (100% PLAN) (LANGUAGE ADDED)
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Non exempt proceeds from personal injury suit are to be turned over to the trustee. (LANGUAGE ADDED)

Plan proposes: $5,900 X 60 beginning 7/1/2026, 100% plan
Payments: 1/2, arrears $5,900
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16318 / EJOJavier L. Merino, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $2,800.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16331 / EJOCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 8/7/26 (DS): Debtor atty requested adj to resolve all issues and pass bar date


As of 8/5/26 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $190, after deducting the difference on auto insurance.
- Must resolve the estimated tax claims of the IRS and State of NJ 2020 and 2022-2025 not filed.
- Add to confirming order non-exempt proceeds from PI lawsuit to Trustee.

2. Exeter Finance (WILLIAM CRAIG) obj that car cannot be cram due to vehicle purchased 3/5/25 less than 910 days before filing. Must resolve obj.

Prop Plan $388.55 x 60 begin 7/1/26; Base
Note: Service to Exeter ok and obj filed by creditor.
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16543 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $3,000.00
issues as of 8/6/2026 (JMA)

1) IRS and State of NJ Taxation filed estimated claims
2) Need to file pre-confirmation certification
3) M&T Bank (2023 Ford Transit) filed claim 5-1 with arrears of $1,258.68

proposed plan $3,000x60 base plan
paid in $3,000
arrears $3,000
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
1909/23/2026 10:00 am26-16601 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 8/10/26 (SF) - Copy of TFS receipt received for 2 payments


1. 341 not held - Rescheduled to 8/27/26
2. No Payments: 0/2 Arrears: $5734


Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16615 / EJOWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,030.00
341 is 8/6/2026. (READY)
Email InquiryMatter ResolvedRequest
Adjournment
1929/23/2026 10:00 am26-16667 / EJOPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $3,000.00
issues as of 8/6/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A Modified Plan that marks off Part 8 a Vesting upon confirmation and Part 8c Trustee standard order of distribution.
- Amendments to Schedules C to take Federal or State exemptions on all assets, not both. Form is blank.
- 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):
Disposable income verifies higher than scheduled.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $12,059 when determining disposable income.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l).

proposed plan $1,500x24 begin 7/1/2026; $1,750x24; $1,600x12 base plan
paid in $0
arrears $3,000
last claim 11-1
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16893 / EJODavid Jerome Witherspoon, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 1 of 2 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-16937 / EJOJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 1 of 2 required payments   Arrears: $537.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-17020 / EJOBrian S. Thomas, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $179.00
issues as of 8/7/2026 (JMA)

1) 341 hearing rescheduled for 8/20/2026 - ok to adjourn confirmation hearing to 9/16/2026
1) Shellpoint Mortgage needs to file claim.
2) Capital One Auto Financed.

proposed plan $929.65x60 base plan
paid in $960
arrears $899.30
last claim 5-1
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-17096 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 8/6/2026 (JMA) provided proof of auto insurance effective through 1/19/2027

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):- Bank statements from Navy Federal Credit Union for May and June prior to filing date.
- Amendments to Schedules B and C to add Valley Bank acct#120 to have $445 in acct.
- The debtor must provide updated proof of auto insurance for the 2020 Lexus. The policy provided has expired.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $254 (verifies $216) and car payment $820.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Debtor's bi-weekly PERS loan payment $549.64 ended 5/10/26, which would have disposable income $1,992.
- Capital One Auto filed arrears $30.

proposed plan $150x60 base plan
paid in $150
arrears $150
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-17573 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-17574 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $600.00
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-17586 / EJOEdward R. Wiercinski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-17808 / EJODavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-17973 / EJODavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-18211 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-18222 / EJOPRO SEConfirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-18301 / EJOJohn D. DiCiurcio, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,639.00
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-18448 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-18559 / EJOFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 10:00 am26-18682 / EJOAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 2:00 pm25-19953 / EJOAndrew Thomas Archer, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 2:00 pm25-23059 / EJOJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 2:00 pm26-14654 / EJOMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
09/23/2026 2:00 pm26-15580 / EJOAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes