ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 9/30/2026
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
169/30/2026 9:00 am22-17993 / MBKDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending WorkupDebtor obj<>FAILED TO REFI BY 5/15/26

what happened to money from mothers estate
-has been years
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am24-10715 / MBKAndrew Thomas Archer, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections(8/13 amt: per debtor, Provident will be requesting adj/transfer to new servicer)<>

Debtor obj, proposes$5,000 pymt & recap<> PROVIDENT BANK (Saltzman)
Email InquiryMatter ResolvedRequest
Adjournment
229/30/2026 9:00 am24-14085 / MBKDaniel E. Straffi, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterDebtor obj<>US BANK NAT'L ASSOC (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am24-17371 / MBKThomas G. Egner, Esq.Motion Sell3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
239/30/2026 9:00 am24-21461 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: TR ORDER #55:LM TO LENDER BY 6/10; LENDER ADVISE OF DEFICIENCIES BY 6/17; DEBTOR CURE DEFICIENCIES 6/24; LENDER REIVEW LM PKG BY 7/15<>

Debtor obj<>FAILED TO LM BY 3/31/26
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-14869 / MBKJohn Zimnis, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterOCEANFIRST BANK (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-14869 / MBKJohn Zimnis, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-15104 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-17337 / MBKRoman Akopian, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterPNC BANK (FEIN, SUCH)
Email InquiryMatter ResolvedRequest
Adjournment
369/30/2026 9:00 am25-17723 / MBKJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending WorkupAR NOTE LON MOD PER CONF 2-1-26
LOAN MOD docs submitted today 8-19

(AMT: LOSS MIT ORDER 5/27/26)<>

to get loss mit package by 6/17 or D

Debtor obj<>FAILED TO LM BY 2/1/26;
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-18693 / MBKKevin C. Fayette, Esq.Motion Relief from Stay (Fee)3rd Party MatterCAPITAL ONE AUTO FINC (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-19542 / MBKJonathan Goldsmith Cohen, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-20544 / MBKDaniel E. Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
449/30/2026 9:00 am25-21308 / MBKJenee K. Ciccarelli, Esq.Motion Sell3rd Party MatterPROPERTY #398
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-22096 / MBKCarol L. Knowlton, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-22486 / MBKWarren Brumel, Esq.Motion Motion (Generic) - Only use if no other event is applicable3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am25-22802 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>US BANK NAT'L ASSOC (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
519/30/2026 9:00 am25-22947 / MBKKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending WorkupDebtor obj, can make pymt & requests recap<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
539/30/2026 9:00 am25-22974 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending WorkupDebtor obj, in trial period<>FAILED TO LM BY 6/1/26
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-10357 / MBKAndre L. Kydala, Esq.Motion File Claim After Claims Bar Date3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-10695 / MBKMitchell Lee Chambers, Jr., Esq.Motion Approve Compromise or Settlement Under Rule 9019No Opposition FiledMTN TO APPROVE PI SETTLEMENT
Email InquiryMatter ResolvedRequest
Adjournment
599/30/2026 9:00 am26-10695 / MBKMitchell Lee Chambers, Jr., Esq.Motion Relief from Co-Debtor Stay3rd Party MatterDebtor obj<>US BANK TRUST NAT'L ASSOC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-11105 / MBKJamal J. Romero, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN WAS DENIED 7/29/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-11105 / MBKJamal J. Romero, Esq.Motion Relief from Stay (Fee)No Opposition FiledCARRINGTON MTG (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-11629 / MBKRobert Manchel, Esq.Motion Compel3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-11697 / MBKJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
639/30/2026 9:00 am26-11747 / MBKPaul N. Mirabelli, Esq.Motion Relief from Stay (Fee)3rd Party MatterDebtor obj<>ROCKET MTG (STERN & EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-12728 / MBKCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-15309 / MBKRussell L. Low, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsDeutsche Bank obj (RAS)<>MTN TO MODIY PRE PET ARREARAGE/ONITY #1-1
Email InquiryMatter ResolvedRequest
Adjournment
699/30/2026 9:00 am26-15906 / MBKPRO SEMotion Motion (Generic) - Only use if no other event is applicable3rd Party MatterUS Bank response (Friedman Vartolo)<>MTN TO OBJ CLM
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-15906 / MBKPRO SEMotion Relief from Co-Debtor Stay3rd Party MatterSN SERVICING CORP (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-16152 / MBKJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN WAS DENIED 7/29/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-16207 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 9:00 am26-16207 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am24-15373 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 23 of 27 required payments   Arrears: $4,256.00
AS of 8/18/26(mk)


per atty ok to cap arrears into terms
>atty just got signatures of amended sch I & J- POI provided( for Judy for several sources so need the amended schedule I and under review- need order or APOC for #1

1. MP adds post pet taxes for 2025 for the IRS- Need order or amended claim for this-atty working on that

2. Arrears 4,256 No amended i & J or updated POI provided. and income now due to debtor's job loss is negative. MP is a tier plan - lowers tier to 500 for now is 8 mos then back up to 1564 for last 25 mos. based upon hopes of new job in the future. Arrears as of the filing of the MP are 3,192. So will need PTD then 5000 x 8 then 1,634 x 25 to cover those arrears.

3. Are there atty fees to be added as a place holder pending a fee app?


MP #30 proposes:$1500 X 8; $1564 X 15; $500 X 12; $1564 X 25; MIN $25,279. DEBTOR LOST EMPLOYMENT
ADD PP TAX FOR 2025
Plan has run27 months and 44 remain
Arears as as of filing MP 3,192


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

Prior Conf:$7500 PTD (6 MOS) $1500 X 54 BEG 12/1/24 ; BASE $88,500 W/MIN $25,279 TO GUCS DUE TO NE EQUITY ; ATTY HOURLY FEE $0/$3,000 PD O/S ; STUDENT LOANS O/S
FEE APP W/IN 7 DAYS OF CONF ; PLACEHOLDER SET-UP & ON HOLD PENDING ORDER,
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am25-18433 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 12 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am25-18967 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am25-20544 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 10 of 10 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am25-22624 / MBKMarc C. Capone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 25 of 9 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
909/30/2026 10:00 am26-10357 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $885.00
8/10 workup EDC
SAME ISSUES AS LAST TIME

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

*Trustee objection:
-- The debtor has insufficient income. Income is negative by $554
- The debtor has failed to file the required Pre-Confirmation Certification .
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2025 by 5/31/2026.

$890 X 60; BASE
Email InquiryMatter ResolvedRequest
Adjournment
1189/30/2026 10:00 am26-11160 / MBKFrances A. Tomes, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 5 of 6 required payments   Arrears: $2,251.00
nfa
AS OF 7/23/26 (SF)

1. Objection filed by Rushmore Servicing/US Bank (Wohlrab) - failure to provide for arrears of $122,710.53 ok to pay


2. Capital One filed arrears claim 4-1 for $10 which is not treated in the plan (OK TO PAY)

3. Trustee objection:

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

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,000/month for daycare for grandkids
Need proof of expense 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $4,492.

- Per the 22C, monthly disposable income is $3,763 which requires a minimum dividend of
$225,780 to general unsecured creditors.

- The IRS filed an estimated priority claim 3-1 which needs to be amended.


Plan proposes $2201 x 60 100% Plan
Payments 4/5 Arrears: $2201



Email InquiryMatter ResolvedRequest
Adjournment
1199/30/2026 10:00 am26-11173 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $7,383.00
AR NOTE ATTY TO SUBMIT DOCS TO SHOW FEASIBILITY WITH ARREARS ROLLED IN , WILL UPDATE STATUS
7/20 workup EDC

-no longer loan mod

**$10,916 in arrears

**payment would have to go way up. Needs $6150 going forward which is not feasible


1. Objection filed by US Bank (Robertson Anschutz) - failure to cure full arrears of $88,606.49 (Per claim). Plan proposes to pay $62,778.92. (UNRESOLVED)

2. Trustee's objection:

-Excessive expenses on Schedule J: $700/utilities; $479/telephone, cellphone, cable; $600/transportation 1 person
-Form 122c-1 Line 45 excess disposable income $2,942.07, which requires $176,534.20 to general unsecured creditors. All will be allowed as long as the case remains 100% OK 100%


Plan proposes: $3,972 x 60 beginning 3/1/2026, loan modification by 8/1/2026, 100% plan
Payments: 1.5/2, arrears $1,972
----------------------
resolved
- Estimated tax claim by IRS (STILL ESTIMATED)
Email InquiryMatter ResolvedRequest
Adjournment
1229/30/2026 10:00 am26-11491 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $0
AS OF 7/24/26 (SF) BELOW ISSUES STILL APPLY



1. Objection filed by NewRez (Holdren) - failure to provide for arrears of $164,229.20

2. Sun Run Inc filed arrears claim 8-1 in the amount of $1793.62 which is not proposed to be paid in the plan. (OK TO PAY?)

3. Americredit filed claim 4-1 in the amount of $8677.25 which includes post petition interest at the rate of 7.75% interest. The plan proposes to pay $9700.74. (WHICH AMOUNT SHOULD BE PAID?)

4. The plan proposes to pay $1715.61 to Beachwood Sewerage Authority as secured. Beachwood Sewerage Authority filed an unsecured claim in the amount of $1613.22. The plan proposes 0% to gucs. (MUST RESOLVE)

5. Trustee objection:

- Need Proof of social security income - from Debtor which was to start in April. (RECEIVED. DOES DEBTOR RECEIVE $374 PLUS AN ADDITIONAL $739 PER STATEMENTS PROVIDED?




Plan proposes $1664 x 2; $2289 x 58 0% Plan
Payments: 5/5


RESOLVED:
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Must serve Wells Fargo Bank at address per claim filed. (OK)
- Need a copy of the last filed tax return - for 2025 by 5/31/26. (RECEIVED AND ZERO REFUND)
Email InquiryMatter ResolvedRequest
Adjournment
1249/30/2026 10:00 am26-11535 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $1,878.00
7/29 workup EDC(at):
--same as 4/28 (last adjournment)

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

2. NJ Division of Taxation filed an estimated claim which needs to be amended. resolved

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 - for 2025 by 5/31/2026.(LANGUAGE ADDED)
- Need a statement for the co-debtor's 403B loan. (RECEIVED - LOAN PAID OFF IN JUNE, 2030 - ADDITIONAL $90/MONTH)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for cable/internet/phone
$926/month for transportation
$700/month for children's sports
Need proof of expenses 10 days prior to confirmation.
- 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 $194,980 in non exempt equity in the residence.(LANGUAGE ADDED)
- There is $2,120 in non exempt equity in the Dodge Caravan. (LANGUAGE ADDED)
-Debtors to provide a copy of the marriage certificate. (RECEIVED)

Plan proposes: $1,878 x 60 beginning 3/1/2026, 100% plan
Payments: 1/2, arrears $1,878
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-11629 / MBKRobert Manchel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $305.00
AS OF 8/13/26 (SF) Atty will be filing MP to surrender property


1. Objection filed by Deutsche Bank (RAS) - Plan is not feasible; fails to pay arrears. No Realtor appointed and is not currently listed for sale; there is no equity in property and should be surrendered (Listing Agreement provided)

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

4. The IRS filed secured claim 4-1 in the amount of $4620 which is not addressed in plan (OK TO PAY?)

5. The IRS filed estimated priority claim 4-1 (NEED AMNDED CLAIM)

6. Need amended Schedule C. d)5) exemptions exceed limit.

7. Trustee objection:

- The debtor has insufficient income. Disposable income verifies Negative $800.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Auto insurance $475 (verifies $262) and car payment $728, especially if cramming.

- There is $114,592 in nonexempt equity in the Woodhaven Lane property.

- Add to confirming order non-exempt proceeds from sale of Harrington Circle to Trustee



Plan proposes $1050 PTD; $350 X 3; $1302 X 53 Base Plan, Sale BY 9/10/26
Payments: 5/6 Arrears: $305







RESOLVED:

- Objection filed by Bank of NY Mellon (Jennings) - failure to pay arrears of $21,239.93 9 (Withdrawn) The objection is withdrawn but the plan does not proposes to pay arrears (WITHDRAWN)
- Still Need copy of 2025 Tax Return (RECEIVED)
- Need Property settlement Agreement showing spouse gets a half interest of assets of business. (No language in Agreement regarding spouse getting half interest)
Email InquiryMatter ResolvedRequest
Adjournment
1259/30/2026 10:00 am26-11676 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $300.00
issues as of 7/29/2026 (JMA)

1) Fund Society, FSB/Wilmington Savings Fund Society (Friedman Vartolo) objection to confirmation - NEED TO RESOLVE
-Pre-Petition arrears approximately $331,822.86

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2025 by 5/31/2026.
3) Resurgent Receivables, LLC filed secured claim 2-1 for 2019 Volkswagen Jetta. This claim is not provided for in the plan.
- Need to know how this claim is to be treated through the plan.

proposed plan $300x36 with loan mod by 9/1/2026
arrears $300
last claim 2-1
Email InquiryMatter ResolvedRequest
Adjournment
1009/30/2026 10:00 am26-11716 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $13,833.00
8/12 workup EDC

As of 7/8/26 (DS): ATTY FILED MOD PLAN 7/3/26 TO ADD SALE OF RESIDENCE AND MARK OFF 8C AND 8D AND PROPOSE 100%, STILL PROPOSE $4,043.05, BUT DEBTOR NOT CURRENT WITH TRUSTEE PAYMENTS. SALE MOTION ON FOR 9/9

1. Debtor in arrears $13,833, made 1 payment out of 6, last payment made was 5/1/26. ATTY PROVIDED PROOF OF TFS PAYMENT IN THE AMOUNT OF $852 MADE 7/7/26 BUT THE PAYMENT WAS NEVER RECEIVED. NEED 2 PAYMENTS REC. BY 8/11 OR D. EDC

2. BELOW ISSUES REMAIN RESOLVED SINCE LAST HEARING.

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

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

Prop Plan $4,043.05 x 60 begin 3/1/26; Dollar Base $2,703.48
Note: 2025 Tax return provided 7/7/26 9:45am and update auto insurance for 2019 Subaru and bank statements provided 7/7/26 4:45pm.
6


Email InquiryMatter ResolvedRequest
Adjournment
1019/30/2026 10:00 am26-11747 / MBKPaul N. Mirabelli, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $900.00
8/11 workup EDC
SAME TRUSTEE ISSUES AS LAST 2 TIMES. MFR FROM SANTANDER AND ROCKET AND STILL NO CLAIM FROM ROCKET

--obj by Rocket mortgage (withdrawn, doc #32)

MP $900 X 60; SALE 2/2027; 100%

*Trustee objection:
--- The debtor has failed to file the required Pre-Confirmation Certification .
-- A current market analysis - with recent comps, no comps provided and is a bit confusing
as to dates when value was done. Zillow values $525,300.
-- A copy of the last filed tax return - for 2025.
-- 2 months (Jan & Feb) bank statements from savings acct.
-- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Water/Sewer/Garbage $400 and Car payment $858.14.
--Disposable income verifies $3,123.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,784 when
determining disposable income.
-- There may be non-exempt equity in the residence $243,039 pending updated CMA with comps. and the mortgage filing a claim
- Santander filed arrears claim for $865.10.
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-12728 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
8/11 Workup EDC

Debtor atty requested adj ON 6/11 to allow time to resolve Penny Mac claim#4-1 since this is not her property--NOT DONE-NEEDS JUDGE

ADJOURNED CONF PER ATTY PREVIOUS REQUEST TO ALLOW TIME TO RESOLVE ALL ISSUES AND PASS BAR DATE--$20,000 in filed guc claims edc


1. Trustee obj to the following:

- Plan fails to add PennyMac Loan and Sched A fails to add property S. Warren St POC filed with arrears $254.49. Per Property Settlement agreement ex-spouse to refinance this property once interest rates drop. So Debtor is not responsible for this debt, however the mortgage and Deed, which has not been provided is still in her name. THIS CLAIM STILL NEEDS TO BE RESOLVED.

- There is non-exempt equity in the investment property 2233 S. Broad $1,194.


Prop Plan $217.68 x 60 begin 4/1/26; Base
------------------------
resolved

- Need homeowner insurance with personal liability coverage, CMA and recorded Deed for S. Warren St property (PER PROPERTY SETTLEMENT AGREEMENT EX-SPOUSE TO TAKE OVER PROPERTY AND REFINANCE WHEN INTEREST RATES DROP. NOW HOW DO WE RESOLVE THE ARREARS CLAIM FILED BY MORTGAGE SINCE THIS IS NOT DEBTOR'S RESPONSIBILITY?
- Must provide recorded Deeds for Hazelhurst Ave and S. Broad St properties.
- Need valuation of business assets/business documents for Tu Envio Seguro, LLC showing Debtor's interest. (PER PROPERTY SETTLEMENT AGREEMENT DEBTOR AND EX-SPOUSE HAVE 50% INTEREST OF PROPERTY OF S. BROAD ST WHICH IS RENTAL PROPERTY) and Recorded Deeds for Hazelhurst Ave and S. Broad St.
As of 5/5/26 (DS): 1. Debtor in arrears $435.36, made 0 out of 2 payments. ATTY PROVIDED PROOF OF 2 TFS PAYMENT, 1 MADE 4/29/26 $217 WHICH WAS CLEARED, BUT NOT POSTED AND 1 MADE 5/5/26 $218 SCHED 5/7/26.
4/29/26 (DS): Debtor atty requested adj to allow 341 sched 4/30/26 to be heard and resolve all issues, request denied, Debtor has not made Trustee payment.

Disposable income verifies $1,199, tax refund $5,636 not included on Sched I. ATTY PROVIDED COPY OF CHIL
Email InquiryMatter ResolvedRequest
Adjournment
1359/30/2026 10:00 am26-12811 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,136.00
AS OF 7/22/26 (SF) CLAIMS ARE STILL ESTIMATED AND TAX RETURNS NOT PROVIDED

-WILL BE CONDUIT PER JUDGE

1. State of NJ filed estimated priority claim 5-2 ( AMENDED AND STILL ESTIMATED)

2. IRS filed estimated priority claim 6-2 (AMENDED AND STILL ESTIMATED)

3. No claim filed for Mill Creek Island Berkeley Condo Assoc (SHOULD THIS CLAIM BE STRICKEN FROM PLAN?)

4. Trustee objection:

- Needs a Modified Plan to list Prestige Financial on Part 4d, not on Part 4c, since plan is not cramming car value, but cramming interest rate.

- Needs Modified plan to list cramdowns into Sections 4 and 7 of plan.

- Must provide 2024 and 2025 tax returns and Must resolve both State of NJ and IRS estimated tax claims, 2021-2025 tax returns not filed.

- Must service Prestige Financial once mod plan is filed.

- There is estimated non-exempt equity in the residence $99,324 (must resolve the estimated tax claims), Wells Fargo checking acct $1,428 and Wells Fargo savings acct $55. Must resolve Credit Acceptance objection, plan is proposing to reduce interest rate from 17.99 to 7.75%, but is improperly listing on Part 4g claims to be paid in full through plan.

Plan proposes $1136 x 60 100% Plan
Payments: 3/4 Arrears: $1136


RESOLVED:
1. Motion to Extend Stay 5/27/26 at 9 (ORDER ENTERED WITH CONDUIT)

2. Objection filed by Credit Acceptance (Craig) - failure to provide for adequate protection payments. (RESOLVED VIA ORDER)

Email InquiryMatter ResolvedRequest
Adjournment
1389/30/2026 10:00 am26-13085 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
AR NOTE ***hearing in state court 7/30, if win we can adjourn EDC- will update

AS OF 7/23/26 (SF) Does this case need to be adjourned again?
AR PARTIES NEED TO APPEAR RE STATUS



1. Motion for Relief by Oak Street Properties 6/17/26 at 9 - Per motion for relief, creditor obtained title to the property by Final Judgement in Tax Foreclosure on 3/6/26. The plan proposes a refinance (NEED EXPLANATION)

(Parties agree to permit relief from stay in order to litigate and/or resolve pending State Court motion initiated by Debtor to overturn the tax sale foreclosure as well as any subsequent filed opposition and/or cross-motion filed by the Creditor, 2500 Oak Street Properties, LLC.)


2. No claim filed by US Bank Custodian for PC7, LLC. The bar date expired on 5/29/26

3. Trustee objection:

- There is nonexempt equity of 176,087.51 in real estate 100% plan

-There is nonexempt equity of $1479 in bank acct ending in 3245 thru 2/28/26.

- Nonexempt proceeds from Refinance to be turned over to Trustee.


Plan proposes $250 x 60 100% Plan; Refi by 9/1/26
Payments: 4/4


RESOLVED:
- Need a copy of the last filed tax return - 2025 Tax Return by 5/31/26. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
1409/30/2026 10:00 am26-13251 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $2,400.00
7/20 workup EDC NFA

** Trustee obj (plus supplemental) to the following:
- Case is 109(e) total unsecured filed to date $556,694.71, bar date is 6/3/26.
- Must provide DSO Information Form, 2025 Tax return and Truck insurance for two 2023 Tractor trailers (insurance provided expired 2/25/26 and is not in name of Debtor's business, in name of J2 Logistics the business that Debtor works for as 1099 employee. PER EMAIL FROM DEBTOR ATTY - Debtor currently has one remaining vehicle, a 2023 Volvo truck, which is owned by ANMP. Insurance for this vehicle is maintained through the contract company., The other two trucks financed through BMO and Volvo were reportedly stolen, later recovered, and subsequently repossessed. Based upon the current circumstances, Debtor may need to amend the Chapter 13 Plan to change the treatment of these vehicles from "keep current" to "surrender"
- 22C has disposable income $7,338, which would require min. div. $440,280 to gucs.
- Disposable income verifies $10,989.
- There is non-exempt equity in the business $220,000 and Audi $15,999.
- Add to confirming order non-exempt proceeds from identity theft claim to Trustee.

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

Prop Plan $1,200 x 60 begin 4/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
1439/30/2026 10:00 am26-13370 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 5 required payments   Arrears: $2,580.00
AS OF 7/28/2026 (at):

RECEIVED PROOF OF ONE TFS PAYMENT OF $875 SCHEDULED FOR 7/29/2026.

1. Objection filed by Wells Fargo Bank (McCalla Raymer) - failure to cure arrears of $161,879.67 and loan modification is not guaranteed. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - from spouse for 2025. (NOT RECEIVED)
- A Modified Plan that propose a Base, not $0 due to proposing a loan mod. (MODIFIED PLAN NOT FILED)(OK TO PAY BASE PER ATT)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Car payment $845.

------------------
RESOLVED ISSUES:
- The debtor has insufficient income. Disposable income verifies $595, pending spouse 2025 tax return. Debtor will need e-Wage. (LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Must resolve creditor objection. (LISTED ABOVE)

Plan proposes: $860 x 36 beginning 4/1/2026, loan modification 6 months after confirmation, $0 to unsecured creditors
Payments: 2/4, arrears $1,720
Email InquiryMatter ResolvedRequest
Adjournment
1479/30/2026 10:00 am26-13615 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 7/23/26 (SF)


1. Objection filed by Legacy Mortgage Asset Trust (RAS) - failure to pay arrears; speculative loan mod and feasibility.

2. Trustee objection: (supplemental filed 7/23)
- The debtor must provide updated proof of auto insurance for the 2004 VOLVO S60. The
policy provided has expired. (Does debtor still have this vehicle? It was removed from the insurance.
- There is nonexempt equity of $122,296 in real estate. Plan will require 100% to gucs

3. State of NJ filed estimated priority claim 6-1 (NEED AMENDED CLAIM)



Plan proposes $100 x 60 Base Plan; Loan Mod by 9/31/2026
Payments: 3/3



Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-14634 / MBKScott D. Sherman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
As of 8/13/26 (DS): Debtor atty requested adj to resolve Credit Union obj

As of 7/2/26 (DS): Debtor atty requested adj to resolve all issues.

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

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

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

Prop Plan $490 x 60 begin 5/1/26; Base
Note: Debtor atty provided Debtor's cert stating 2005 Ford not running and is off road and 2014 Harley is being surrendered and off the
Email InquiryMatter ResolvedRequest
Adjournment
1149/30/2026 10:00 am26-14714 / MBKFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 4 required payments   Arrears: $3,579.00
updated 8/15/2026 (JMA) payment of $2386, not posted to date
issues as of 8/12/2026 (JMA)

1) Wells Fargo Bank (RASC) objection to confirmation - RESOLVED, ORDER RESOLVING OBJECTION TO CONFIRMATION AGREES TO PAY $6,484.52 THROUGH PLAN PER CLAIM 12-1
- Secured Creditor anticipates its proof of claim will evidence pre-petition arrears of $6,552.27, whereas the Plan proposes only $3,133 in arrears. OK TO PAY

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file a feasible plan that proposes a tier plan when Debtor's PFRS loan $1,739 ends in month 17. OK TO INCREASE BY ATTY
- The debtor has failed to supply the Trustee with the following document(s): Balance of car statements prior to filing date and proof of spouse debt expenses. MILEAGE PLUS BALANCE $7,950.04; CARD ENDING #2227 BALANCE AS OF 4/24/2026 $8,915.04; ACCT ENDING #7419 BALANCE AS OF 4/24/2026 $12,240.96; ACCT ENDING #8234 BALANCE AS OF 4/21/2026 $5,924.83; ACCT #1190 BALANCE AS OF 4/1/2026 $3,787.43. Also, must provide spouse Loan 1 and Loan 2 balance statements prior to filing date deductions on pay stubs.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): 22c has disposable income on Line 45 $383.06 then pending proof of expenses for car balances and expenses there may be additional disposable income. RESOLVED, BEGINNING MONTH 18 THE PLAN PAYMENT WILL BE INCREASED TO 1739X43.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. 1325(a)(3). Plan fails to provide the non-exempt equity in the residence. THERE IS $47,126.50 NON-EXEMPT EQUITY IN THE HOUSE AND $3,063.83 PERSONAL PROPERTY FOR TOTAL $50,190.83. OK TO PAY

3) Citizens Bank has not filed
Email InquiryMatter ResolvedRequest
Adjournment
1159/30/2026 10:00 am26-14728 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $500.00
As of 8/14/26 (DS): 1. Loan mod date in plan has expired 7/31/26, no motion has been filed. What is the status of the loan mod?

As of 7/6/26 (DS): Debtor atty requested adj to pass bar date, to resolve Trustee obj and file motion to approve loan mod. Need to be adjourned to August, 7/29/26 full.

7/8/26 (DS): 1. Trustee obj to the following:
- Excessive expenses for 2 car payments $422 and $468 (CAR PAYMENT VERIFIES $469 PER POC) - ONLY 1 CAR ON SCHED B, 1 CREDITOR ON SCHED D FOR 2018 HYUNDAI AND NO CREDITOR ON SCHED G, SO WHY ARE THERE 2 CAR PAYMENTS? and auto insurance $766 - VERIFIES $260 FOR 2018 HYUNDAI, THERE ARE 2 ADDITIONAL CARS/2 ADDITIONAL ADULT DRIVERS LISTED ON THE INSURANCE, ONE BEING NIECE CONTRIBUTING.
- Tax refund $3,340 not listed on Sched I when determining disposable income.
- There is non-exempt equity in the residence $53,022.

Prop Plan $500 x 60 begin 5/1/26; 100% and Loan Mod on High Street by 7/31/26
Note: Disposable income no issue, since it is contribution from family. Life insurance statement provided has $1,558, Sched B has $1,490, still exempt since allowed more. Bank statements from all accts provided.
Email InquiryMatter ResolvedRequest
Adjournment
1679/30/2026 10:00 am26-15344 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 7/22/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $325, Food $1,200 (2024/2025 Tax returns only show 1 dependent), Children's education cost $2,100 (Tax returns shows $750 was paid monthly) and Transportation $945. Must provide proof of expenses 10 days prior to confirmation certification.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,590 when determining disposable 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 $16,305 non-exempt equity in the residence.

proposed plan $1,416x60 begin 6/1/2026 dollar base $20,000
paid in $2832
last claim 21-1
Email InquiryMatter ResolvedRequest
Adjournment
1689/30/2026 10:00 am26-15345 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 7/23/26 (SF)

1. Objection filed by Harley-Davidson Credit Corp (Stewart) - failure to provide for treatment of creditor's claim 7-1 in the amount of $6073.66--CAR TOTALLED

2. Trustee objection

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$800/month for utilities
$700/month for cable/internet/phone
$1,370/month for food for three
Need proof of expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $991.

- Per the 22C, monthly disposable income is $3,110 which requires a minimum dividend of
$186,600 to general unsecured creditors. (100% PLAN)


Plan proposes $462 x 60 100% Plan
Payments: 2/2



RESOLVED:
- Domestic Support Obligation information (RECEIVED)

- Need a statement for the debtor's 401k loan. (Received. Expires 12/30/30 $208.86 will be available)

- The debtor must provide proof of auto insurance for the 2000 Honda XR 650..(RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-15652 / MBKJoel R. Spivack, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 8/10/2026 (at):

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):
- Disposable income verifies $2,301. Plan propose 100%.
- Must resolve State of NJ estimated tax claim, 2020 tax return not filed. (STILL ESTIMATED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $102,271 and in Funds due to the heirs of William Cowen.
(100% PLAN) (LANGUAGE ADDED)
- Add to confirming order non-exempt proceeds from funds due to Debtor from the proceeds of the estate of William Cowen to Trustee. (LANGUAGE ADDED)
- The debtor must provide updated proof of auto insurance for the three vehicles. The policy provided expires on 7/21/26. (RECEIVED)
- The debtor has undertaken an improper use of exemption. Specifically: Sched C over improperly takes d(1) exemption. Co-Debtor is only on Deed, therefore, Debtor cannot use the
d(1) exemption. (EXEMPTION ADJUSTED)

Plan proposes: $1,350 x 36 beginning 6/1/2026, 100% plan
Payments: 2.5/3, arrears $675
Email InquiryMatter ResolvedRequest
Adjournment
1759/30/2026 10:00 am26-15752 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $4,500.00
AS OF 7/23/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $3,000
Email InquiryMatter ResolvedRequest
Adjournment
1799/30/2026 10:00 am26-15823 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 7/23/26 (SF) Needs to be adjourned. Service was just sent on 7/27.


1. Need separate service to cram interest rate of Westlake Portfolio (Must file Certification of service)

2. IRS priority and unsecured claim 9-1 is estimated (NEED AMENDED CLAIM)



Plan proposes $424 x 60 0% Plan
Payments: 2/2




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

Trustee objection:
- Need a statement for the Robinhood account. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
1309/30/2026 10:00 am26-15906 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $400.00
AS OF 8/19/2026 (at):

1. 341 is scheduled for 9/3/2026.
2. Payments: 2/3, arrears $400
Email InquiryMatter ResolvedRequest
Adjournment
1869/30/2026 10:00 am26-16084 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,398.00
AS OF 8/17/26 (SF) UPDATED - ADJ TO BECOME CURRENT - NOT CURRENT WITH PAYMENTS


Trustee objection:

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

- A Modified Plan that increases trustee payment by $494 in month 6 when car loan is paid
off.

- Verified income leaves monthly disposable income of $3,733.83.

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



Plan proposes $1398 x 58 100% Plan
Payments: 1/3 Arrears: $2796


RESOLVED:
- The current Plan does not specify treatment of American Honda's secured arrears claim under the Plan. Arrears are $999.54 (OK TO PAY?) YES
Email InquiryMatter ResolvedRequest
Adjournment
1879/30/2026 10:00 am26-16102 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $370.00
AS OF 7/23/2026 (at):

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 expires on 7/30/26. (NOT RECEIVED)
- Need a statement for the Charles Schwaab account. (NOT RECEIVED)
Need a more detailed value of the real property. Zillow has property at $802,700 while debtors' Equifax has $535,900 (NOT RECEIVED)

Plan proposes: $370 x 36 beginning 6/1/2026, base
Payments: 1/2, arrears $370
Email InquiryMatter ResolvedRequest
Adjournment
1889/30/2026 10:00 am26-16149 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $300.00
issues as of 7/21/2026 (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 has failed to file the required Pre-Confirmation Certification.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $300/month for personal care; $650/month for food for a household of one; Need proof of expenses 10 days prior to confirmation.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
-Counsel needs to add back the wage assignment/garnishment income now that the deduction has ended.

proposed plan $150x36 base plan
paid in $150
arrears $150
last claim 5-1
Email InquiryMatter ResolvedRequest
Adjournment
1899/30/2026 10:00 am26-16151 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 7/22/26 (SF) - NO CLAIMS FILED YET - BAR DATE IS 8/10

Trustee objection:


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

- Verified income leaves monthly disposable income of $2,220.58.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,822.00 when
determining disposable income.

- There is $265,660 in non exempt equity in the residence.

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


Plan proposes $361 x 60 100% Plan
Payments: 2/2



Email InquiryMatter ResolvedRequest
Adjournment
1339/30/2026 10:00 am26-16190 / MBKAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 8/17/2026 (at):

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Need a statement for the 401k loan. (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Per the 22C, monthly disposable income is $2,232 which requires a minimum dividend of $133,920 to unsecured creditors.

RESOLVED ISSUES:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for home maintenance
$450/month for cable/internet/phone
$830/month for medical and dental
Need proof of excessive expenses 10 days prior to confirmation. (RECEIVED - POOL EXPENSE IS ONLY IN THE SUMMER - REDUCED EXPENSES BY $200 FOR HOME MAINTANANCE)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. (LANGUAGE ADDED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,779.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Debtor must provide proof that the trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must provide for vesting at confirmation. (POLICIES RECEIVED)

Plan proposes: $300 x 17 beginning 7/1/2026, $700 x 43, Lump sum of $4,000 in months 10, 22, 34, 46 and 58, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-16207 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 8/18/26 (DS): Debtor atty requested adj to allow time to address claims

As of 8/14/26 (DS): 1. Trustee obj to the following:
- Need a mod plan that marks off 1e jointly administer case and pays student loans outside.
- Must amend Sched I to add business income.
- There is non-exempt equity in the residence $203,396 and $5,674 in personal property total $209,070. BAR DATE HAS PASS TOTAL GUCS FILED $246,444.45
- Disposable income $5,245 and 22C disposable income $5,207, which would require min div $312,420 to gucs. PLAN PROPOSE 100%
- Must file Pre-confirmation cert.
- Must file fee app within 7 days from conf order.

2. State of NJ filed estimated tax claim, 2026 S&U not filed for 2/2026 and 4/2026. Must resolve claim.

3. Twp of Freehold filed tax claim for $19,370.66 needs to be paid or move against claim. Trustee ok to pay?

Prop Plan $4,700 x 60 begin 7/1/26; 100%
Note: Updated homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-16218 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 2 required payments   Arrears: $0
AS OF 8/14/2026 (at):

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

1. 341 is scheduled for 8/27/2026. (READY)
2. Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-16373 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 8/14/2026 (at):

1. Objection filed by Wells Fargo Bank (Robertson Anschutz) - objecting to adequate protection payment of $1,100. Creditor wants monthly payments of $3,525.26. (UNRESOLVED)

2. Objection filed by Affinity FCU (Saldutti) - plan is silent as to their secured judgment lien of $27,105.22. (UNRESOLVED)

3. Objection filed by United Teletech Financial FCU (McKenna Dupont) - failure to cure arrears of $154,586.70. Plan lists arrears as unknown. (UNRESOLVED)

4. Objection filed by Waitt Funeral Home (Ansell Grimm) - failure to pay judgment of $30,367.93. Creditor filed an unsecured claim? (UNRESOLVED)

5. Trustee's objection:
- The debtor has not filed the required Pre-Confirmation Certification. (NOT FILED)
- Need an amended Schedule C removing D1 exemption. (NOT AMENDED)
- The schedules fail to account for the debtor(s) tax refund in the amount of $ 8,795.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is equity of $91,985 in real property. (LANGUAGE ADDED)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

Plan proposes: $349 x 60 beginning 7/1/2026, sale by 12/1/2026, base
Payments: 2/2

Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-16544 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $22.00
AS OF 8/13/26 (SF) UPDATED CURRENT PLAN IS NOT FEASIBLE. CLAIMS ARE HIGHER

1. Objection filed by Federal Savings Bank (Woerner) - failure to provide for arrears in the plan of $63,580.90

2. Objection filed by Scarinci Hollenbeck LLC (David Edelberg) - failure to provide for judgment claim; repeat filer and feasibility

3. Objection filed by IRS (Nicholas Engel) - the plan fails to provide for payment of secured claim plus interest and failure to provide for payment of priority claim in the amount of $31,393.80. Also plan is not feasible

4. Trustee objection:

- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $576
ends in month 12.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Life insurance $467 and Auto insurance $150 (verifies $135).

- The current Plan does not specify treatment of judgment lien claim for attorney fees filed by
Scarinci Hollenbeck, LLC for $10,876.99 under the Plan.

- Regional Acceptance filed arrears claim for $205.19, needs to be paid. (OK TO PAY?)

- The IRS claim is much higher than what plan propose. ($31,393.80 priority and $44,366.52 secured)



Plan proposes $1711 x 60 Base w/min div of $18,436 to gucs
Payments: $3400 received Arrears: $22

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



Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-16574 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $710.00
As of 8/14/26 (DS): Debtor atty requested adj to address the excessive atty fees in claim filed Thayer Properties
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-16918 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 8/14/2026 (at):

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

2. Objection filed by FNA VII, LLC (Honig & Greenberg) - failure to pay claim of $55,524.45 (Per claim) (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor must provide proof of auto insurance for the 2006 Toyota Camry. (RECEIVED)
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)

Plan proposes: $1,200 x 60 beginning 7/1/2026, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-16980 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $350.00
AS OF 8/11/26 (SF)


1. Objection filed by Wells Fargo Bank (Wilson) - failure to pay arrears of $33,840.65 and speculative loan mod.

2. The plan proposes to surrender Capital One Auto for a 2018 Mercedes. The claim filed is for a 2019 Mercedes (MUST RESOLVE)

3. Trustee objection:

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

- Need a current market analysis - with comparatives that are the same size as the subject
property.

- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Ally Financial. (ALSO, ALLY FILED AN UNSECURED CLAIM WHICH MAY BE AN ERROR) MUST RESOLVE

-add medical malpractice lawsuit and whole life insurance to the schedules

-trustee to receive non exempt lawsuit proceeds


Plan proposes $350 x 6; $588.25 x 54 Base; Loan Mod by 12/31/26
Payments: 1 of 2 Arrears: $350



Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-17041 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $7,246.00
As of 8/17/26 (DS): Debtor atty requested adj to allow time to service plan

As of 8/17/26 (DS): 1. Trustee obj to the following:
- Must provide proof of discretionary incentive income and Debtor's 401(k) loan balance statement prior to filing date.
- Excessive expenses: $542 home maintenance and $255 auto maintenance.
- Disposable income verifies $7,777.
- There is non-exempt equity in Land Rover $10,400 and Personal property $9,143, no longer an issue on residence as claim was filed.
- The service to Technology Credit Union and ADT is improper, serves PO Box and not street address, must serve street address.

2. Ally Capital - 2022 Ram Ram (STEWART LEGAL) obj to cram.

3. Eastern Bank (MATTHEW FISSELL) obj to arrears owed more, POC filed $235,190.36.

Prop Plan $7,123 x 60 begin 7/1/26; Base
Note: There is no equity on the real property, mortgage claim filed.
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-17157 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,875.00
issues as of 8/11/2026 (JMA)

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


proposed plan $1875x60 100% plan
paid in $1,875
arrears $1,875
no claims to date
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-17226 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,502.00
AS OF 8/17/26 (SF)


341 not held - rescheduled to 9/10/26
Payments: TFS Receipt for $1430 received
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-17849 / MBKMatthew Gross, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $895.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-17891 / MBKStacey L. Mullen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18195 / MBKMark N. Glyptis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18202 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18204 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $501.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18205 / MBKAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18213 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18270 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18296 / MBKStephanie Shreter, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18336 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $727.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18355 / MBKBrian F. O'Malley, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,615.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18403 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $284.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18444 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18446 / MBKJoseph I. Windman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,105.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18447 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18470 / EJOMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18536 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $565.00
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18639 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18731 / MBKCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1150.00 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18765 / MBKScott D. Sherman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/30/2026 10:00 am26-18951 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes