ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 10/29/2025
Last Updated: 10/1/2025 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 2:00 am24-12134 / MBKKirsten B. Ennis, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 2:00 am24-15371 / MBKAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 2:00 am24-18888 / MBKCandyce I. Smith-Sklar, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 2:00 am24-20260 / MBKKirsten B. Ennis, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 2:00 am25-14484 / MBKDavid L. Stevens, Esq.Motion Compensation3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am15-32379 / MBKAngela Nascondiglio Stein Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party MatterMTN EXPUNGE CLM#3
Email InquiryMatter ResolvedRequest
Adjournment
1210/29/2025 9:00 am21-11818 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor<>ARREARS; PLAN WILL NOT COMPLETE TIMELY
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am21-12219 / MBKJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)No Opposition FiledUS BANK TRUST NAT'L ASSOC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
1510/29/2025 9:00 am21-14200 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>PNC BANK (KML)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am21-15162 / MBKMarcia Y. Phillips, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTRUSTEE'S MTN TO APPV SETTLEMENT AND FOR SANCTIONS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am21-15162 / MBKMarcia Y. Phillips, Esq.Motion Motion (Generic) - Only use if no other event is applicable3rd Party MatterMTN DISBURSE SETTLEMENT PROCEEDS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am21-15162 / MBKMarcia Y. Phillips, Esq.Motion to Approve Settlement3rd Party MatterMTN TO APPROVE SETTLEMENT
Email InquiryMatter ResolvedRequest
Adjournment
310/29/2025 9:00 am22-12234 / MBKRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
AR NOTES ESCROW ISSUE NOT RESOLVED SINCE MAY PREVIOUSLY OTBS ADDITIONAL SUBMISSIONS IF ANY BY 9-19
NFA
(amt: cred cert of default, # 43, was otbs on 3/12 - no order was ever entered)

Debtor obj<>SELENE FINC/Pine St (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
2510/29/2025 9:00 am22-13002 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> PHH (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am22-14860 / MBKTamika N. Wyche, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am22-15401 / MBKEdward Hanratty, Esq.Hearing Scheduled (Document)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
2810/29/2025 9:00 am22-16555 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am22-17189 / MBKKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
3210/29/2025 9:00 am22-17235 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>RENAISSANCE GLEN (HABER SILVER)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am22-19016 / MBKBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
3510/29/2025 9:00 am22-19281 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultWithdrawnDebtor obj, will pay<> FIFTH THIRD BANK/Marshall Ave (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am23-11634 / MBKJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)3rd Party MatterNISSAN MOTOR (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am23-13093 / MBKSteven J. Abelson, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am23-14277 / MBKBrad J. Sadek, Esq.Motion Relief from Stay (Fee)3rd Party MatterFREEDOM MTF (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-11368 / MBKStacey L. Mullen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-11368 / MBKStacey L. Mullen, Esq.Hearing Scheduled (Document)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-13356 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: MP 10/29<<>>

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-14586 / MBKThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
5910/29/2025 9:00 am24-17039 / MBKThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>FAILED TO TURNOVER N/E PROCEEDS TO TRUSTEE FROM 12/27/24 SALE OF BROAD ST PPTY
Email InquiryMatter ResolvedRequest
Adjournment
4010/29/2025 9:00 am24-18888 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, will pay<>SELENE FINC/cROSHAW rD (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-20110 / MBKPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-20335 / MBKAndrew Thomas Archer, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterLAKEVIEW LOAN (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-20335 / MBKAndrew Thomas Archer, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
7110/29/2025 9:00 am24-20417 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>ARREARS; POST PET MTG DEFAULT BASED ON CREDITOR DEF CERT
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-20515 / MBKJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-20654 / MBKEric J. Clayman, Esq.Motion Reinstate Stay3rd Party MatterMTN REINSTATE STAY/SERVBANK
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-21135 / MBKJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-21435 / MBKStacey L. Mullen, Esq.Motion Relief from Stay (Fee)3rd Party MatterCITY OF TRENTON (ZEITZ)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-21485 / MBKJustin M. Gillman, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ/SHELLPOINT (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am24-21913 / MBKYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
8210/29/2025 9:00 am24-22686 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
8610/29/2025 9:00 am25-10037 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT; MP 10/29

Debtor obj, made pymt, filed MP<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-10576 / MBKYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-11433 / MBKAndrew Thomas Archer, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>GS MTG-BACKED SECURITIES (KML)
Email InquiryMatter ResolvedRequest
Adjournment
9510/29/2025 9:00 am25-13407 / MBKMarc C. Capone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, listing for sale<>HSBC BANK/Herring Ave (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-14120 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterUS BANK TRUST NAT'L ASSOC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-14120 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-15094 / MBKMoshe Rothenberg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-15112 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELECT PORTFOLIO (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-16541 / MBKScott J. Goldstein, Esq.Motion Relief from Stay (Fee)3rd Party MatterLOANDEPOT.COM (FRENKEL)
Email InquiryMatter ResolvedRequest
Adjournment
11810/29/2025 9:00 am25-17153 / MBKDaniel E. Straffi, Esq.Request for Loss MitigationNeeds Resolution of Issues - ObjectionsSN Servicing obj (Friedman Vartolo)<> REQUEST FOR LOSS MIT
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-17497 / MBKLee M. Perlman, Esq.Motion Sell3rd Party Matter459 SHADY LN
Email InquiryMatter ResolvedRequest
Adjournment
12310/29/2025 9:00 am25-18708 / MBKJustin M. Gillman, Esq.Order Shorten TimeNo Opposition FiledSUBMIT BRIDGE ORDER

MTN CON'T STAY

need all 341 docs and schedules still edc
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-19064 / MBKDaniel E. Straffi, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-19122 / MBKDaniel E. Straffi, Esq.Hearing Scheduled (Document)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 9:00 am25-20244 / MBKUNKNOWNMotion to continue stay3rd Party MatterMTN CONT STAY
Email InquiryMatter ResolvedRequest
Adjournment
12910/29/2025 10:00 am24-10552 / MBKDonald C. Goins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 14 of 21 required payments   Arrears: $1,122.00
AS OF 9/8/25 (SF)

1. The State of NJ filed estimated priority post petition claim 8-1. 2024 Tax Return has not been filed. (NEED AMENDED CLAIM)



MP proposes $330 x 10; $484 x 38 100%; Loan mod by 12/30/25
Plan has run 18 months with 30 months remaining
Arrears: $1122

Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am24-13356 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 12 of 18 required payments   Arrears: $8,800.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am24-17426 / MBKEric S. Landau, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 15 of 15 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
810/29/2025 10:00 am24-22810 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 10 required payments   Arrears: $1,200.00
AR NOTE NO PROOF OF FILING NJ RETURN PER 1308 AND 1307C SHALL DISMISS
9/5 workup for the 917 calendar EDC
SAME AS LAST TIME 2 times

* NJ STILL ESTIMATED-9 MOS SEC 1308

*Abelson sent 8/5 email requesting time to file motion against NJ and possible evidentiary for income issues. -AMENDED BUT STILL ESTIMATED -2018-2020 guc delinquent and 2021 priority delinquent still EDC

1) Trustee objection to confirmation - need to resolve
- Need to file a Modified Plan that steps up trustee payment in April, 2025 when car loan is paid off. $640 A MONTH

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $250/month for DSO obligation (support deducted from pay) $400/month for savings. RESPONSE THAT HE IS SAVING TO MOVE OUT MAY NEED JUDGE
- Verified income PER I & J leaves monthly disposable income of $913 (POI IS AROUND $500 MORE A MONTH PER STUBS). ALSO NEED TO ADD $250 DSO BACK FROM SCHEDULE J BECAUSE IT COMES OUT OF PAY AND ADD BACK $400 FOR SAVINGS ON J, ADD BACK $250 MISC-- DISPOSABLE IS $1813. IT LOOKS LIKE CAR IS NOW PAID OFF ALSO SO WE NEED TO ADD $640 TO THAT SO WE GET $2453--abelson wants to settle at $1500, we can do $1800 as compromise

- Reviewed the 22C, Line 16 (taxes) should be $818, Line 22 (additional healthcare) requires documentation, Line 30 (additional food) requires documentation, Line 33 should be $0 (IRS being paid through the plan) and Line 35 should be $5,704/60 = $95.06. Per the 22C, monthly disposable income is $1,320 which requires a minimum dividend of $79,200 to general unsecured creditors. TRUSTEE OK TO USE I & J

-trustee will not pay Melissa Cleffi unless a valid proof of claim is filed

proposed plan $400x60 base plan

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resolved
- Domestic Support Obligation information.
- Need proof of insurance for the 2017 Nissan that includes policy period.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,623.00 when determining dispo
Email InquiryMatter ResolvedRequest
Adjournment
13710/29/2025 10:00 am25-10037 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 9 required payments   Arrears: $10,388.00
AS OF 9/11/25 (SF) Service just filed, need to adj.

1. Trustee motion to dismiss scheduled for 9/17 at 9

2. Loss mit is extended to 11/6/25

3. Need Certification of Service to cram interest rate for Santander Consumer USA Claim 15-1 (EDC sent email to Legg to make sure he files)
VERT FILED 9-11 NEED TO ADJ

4. Motion to Approve Loan Modification filed on 8/29/25 (NEED ORDER)


Plan proposes $2258 X 6; $1810 X 54; LM 6MO AFTER CONF (1 KNOX BLVD); 100%
Payments: 4/8 Arrears: $8578
Student loans to be paid outside plan
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-10930 / MBKJonathan Goldsmith Cohen Confirmation Hearing ScheduledPending WorkupDebtor has made 34 of 9 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-11191 / MBKRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 0 of 8 required payments   Arrears: $16,700.00
Email InquiryMatter ResolvedRequest
Adjournment
14110/29/2025 10:00 am25-11518 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $650.00
Per atty pension loan has ended. recalculate income. Additional pay stub provided on 9/19/25


AS OF 9/11/25 (SF) BELOW ISSUES STILL APPLY. PLAN IS NOT FEASIBLE. PLAN PAYMENT WILL NEED TO INCREASE TO $1417

1. Objection filed by REO Trust (West) - failure to pay arrears; feasibility and speculative loan mod.

Note: The plan does not list a loan mod completion date

2. Capital One Auto filed secured claim 13-1 for 2019 Lexus which is not addressed in plan

3. Trustee objection:

- Need pension loan statement showing balance due and payoff date (STILL NEED)

- There is $124,423 non-exempt equity in house.

- need valuation on time share (STILL NEED)



Plan proposes $650 x 60 100% Plan; Loan Mod
Payments: 5/5

RESOLVED:

- The debtor has failed to file the required Pre-Confirmation Certification (RECEIVED)
- IRS filed priority claim 3-1 in the amount of $4468.54 which is not addressed in the plan (OK TO PAY?) yes

- Capital One Auto file arrears claim 11-1 in the amount of $30 which is not addressed in plan (OK TO PAY?) yes

- Capital One Auto filed arrears claim 12-1 in the amount of $366.88 which is not addressed in plan (OK TO PAY?) yes

Email InquiryMatter ResolvedRequest
Adjournment
14210/29/2025 10:00 am25-11548 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 8 required payments   Arrears: $330.00
9/8 Workup edc

1. Trustee obj to the following:
- Disposable income verifies $3,017.96. The POI sent in for debtor (Ironworker) is $2700 more monthly than estimated on schedule I

-Per online CMA's the value is $565,000 with lowest possible value being $539,000 Trustee i OK to use the lower number based on letter from zimnis regarding bad siding. There would be $15,000 in equity. There is also $1500 in equity in Bank account so we get $16,500 in equity

- Must file Pre-confirmation certification.


Prop Plan $200 x 2 begin 3/1/25; $330 x 57; Base
Note: Mod plan marks off 1(e), propose to pay Lakeview and Capital One arrears. 2023/2024 Tax returns and PNC Bank statements provided. Appraisal from Mack is fine, there is no equity. Mortgage statements not needed, claims filed.
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resolved
- There is non-exempt equity in PNC Bank acct#3154 $1,515. TRUSTEE WILL ADD THIS TO CONFIRMING ORDER
- Must resolve State of NY claim. Motion to modify claim sched 6/25/25, no opposition filed. SERVICE IS ON DOC#27. OK IF NO APPEARANCE

2. Capital One filed bifurcated claim with arrears $500, secured $19,700 and unsecured $324.47. Plan has arrears paid. Trustee to pay arrears and remainder claim to be treated outside.

- Must resolve IRS estimated tax claim, 2024 tax return not filed.
Email InquiryMatter ResolvedRequest
Adjournment
14410/29/2025 10:00 am25-12579 / MBKDavid L. Stevens, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $500.00
9/8 workup for the 9/17 calendar EDC
-SAME AS LAST TIME

1) Trustee objection to confirmation - need to resolve
- Domestic Support Obligation information - NOT PROVIDED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $1,906.08/month car payment NEED TO EXPLAIN
- Verified income leaves monthly disposable income of $1,275.59.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,534.00 when determining disposable income.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.


proposed plan $550x36 base plan
paid in $1,1000
arrears $1,100
last claim 18-1

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

- A copy of the last filed tax return - for 2024 by 5/15/2025. RESOLVED, PROVIDED RETURN
- Need to file Pre-Confirmation Certification - RESOLVED FILED
- The IRS filed an estimated claim which needs to be amended - RESOLVED, AMENDED CLAIM FILED
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-12815 / MBKLaurence R. Sheller, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 7 required payments   Arrears: $5,990.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-13050 / MBKDavid A. Semanchik, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 7 required payments   Arrears: $3,448.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-13621 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 54 of 6 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-13824 / MBKRobert Cameron Legg, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 5 of 6 required payments   Arrears: $309.00
Email InquiryMatter ResolvedRequest
Adjournment
15310/29/2025 10:00 am25-14465 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 6 required payments   Arrears: $0
AS OF 9/11/25 (SF) BELOW ISSUES STILL APPLY


1. Citizens Bank filed arrears claim 3-1 in the amount of $1021.56 which is not addressed in plan (OK TO PAY)

2. Citizens Bank filed arrears claim 10-2 in the amount of $564.60 which is not addressed in plan (OK TO PAY?)

3. Trustee objection:

- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e). Unsecured debt totals $574,546.62- sba loan taken out for $363,000 in 2022

- Proof of 2 month's income - Need February and March pay stubs for Lakeway (STILL NEED. UNPAID INVOICES PROVIDED)

- The debtor must provide updated proof of auto insurance for the 6 vehicles listed on Schedule B. The policy provided expires on 7/1/25.
2012 Toyota Camry (RECEIVED)
2023 Toyota Highlander (RECEIVED)
1983 Mercedes (RECEIVED)
2019 Ford
2006 MCI
2006 MCI

- There is $115,302 in non exempt equity in the residence.

- There is $39,225 in non exempt equity in the vehicles.

- There is $11,345 in non exempt equity in the bank account.

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

4. Need valuations for the 3 vehicles to be sold


Plan proposes $1000 x 12; $1600 x 12; $2200 x 12; $2800 x 12; $3400 x 12; Min div of $116,978 to gucs; sale of two buses and one van in 6 months: '(2) 2006 MCI 4506 and (1) 2019 Ford E450 Van
Payments: Current $8000 Received


RESOLVED:
- Proof of 2 month's income - Need February and March pay stubs for Leisure Chateau. (RECEIVED)
- Objection filed by Citizens Bank (Wilson) - failure to provide for arrears in the amount of $11,771.12 (Total debt claim 2-1 filed in the amount of $13,123.45) (atorney will pay)
Consent Order Entered
- The debtor has failed to file the required Pre-Confirmation Certification
Email InquiryMatter ResolvedRequest
Adjournment
1210/29/2025 10:00 am25-14673 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 5 required payments   Arrears: $0
AR HOLD PER CHAMBERS
As of 9/3/25 (DS): 341 not held 8/28/25, still missing all docs, no Trustee payments made
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-14710 / MBKAndy Winchell, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,500.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-15023 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 5 required payments   Arrears: $3,000.00
As of 8/25/25 (DS): Debtor atty requested adj to allow time to resolve IRS estimated tax claim, proof provided of TFS payment $2,500 made 8/22/25.

As of 8/21/25 (DS): 1. Debtor not making per plan payments and is in arrears $2,500, made 1.2 out of 3 payments.

2. Trustee obj to the following:
- Debtor's income is insufficient, disposable income verifies $834 and plan is proposing $1,500. DEBTOR IS IN ARREARS. PER TRUSTEE ATTY MUST SHOW FEASIBILITY.
- Must resolve IRS estimated tax claim, 2024 not filed.
- Must resolve creditor obj.
- Must file fee app within 7 days from confirming order.

3. Selene (CORY WOERNER) obj to arrears more, POC filed with arrears $135,453.54. Must resolve obj.

Prop Plan $500 x 1 begin 6/1/25; $1,500 x 11 7/1/25; $2,000 x 12; $3,300 x 36; 0%
Email InquiryMatter ResolvedRequest
Adjournment
15110/29/2025 10:00 am25-15077 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $1,000.00
issue as of 8/28/2025 (JMA) - debtor sent a CMA with a lower value of $740,000. The original CMA was an Equifax report with value of $786,000. Zillow value $948,000.

issues as of 8/21/2025 (JMA)

1) US Bank (RASC) objection to confirmation - STILL NEED TO RESOLVE
- Plan seeks loan modification and proposes adequate protection payments of $1,800. Adequate protection payment should be $2,739.81.
- Plan provides an unclear treatment of Secured Creditor's claim
2) Trustee objection to confirmation - need to resolve
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis - Zillow value is significantly higher than the CMA value provided. Need explanation. NOT RESOLVED TO DATE
- 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 $97,221 non-exempt equity in house pending review of explanation regarding the disparity in the value of the Ocean County real estate. NOT RESOLVED TO DATE
- Need Certification regarding disposition of the PI proceeds the debtor, Debra Hills, received prior to the current bankruptcy filing. NOT RESOLVED TO DATE.

proposed plan $500x12, 3,000x48 base plan with loan mod by 12/1/2025
paid in $1,000
arrears $500
last claim 14-1

RESOLVED ISSUES:

The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- Provide 2025 social security statement showing the current amount of SSI received. RESOLVED, 2025 STATEMENT PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-15112 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $719.00
AS OF 8/12/2025 (at):

RECOMMEND: $719.30 PAID TO DATE, $891 x 57 BEGINNING 9/1/2025, 100% PLAN
- Preserve non exempt equity of $31,423 in real estate.

1. Trustee's objection:
- There is $31,423 non-exempt equity in house. (LANGUAGE ADDED)

Plan proposes: $359.65 x 60 beginning 6/1/2025, base
Payments: 2/3, arrears $359.65
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-15400 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
16610/29/2025 10:00 am25-15825 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 9/8/2025 (at):

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

1. 341 is scheduled for 9/25/2025. (READY)
2. Payments: 2/3, arrears $146
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-15909 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $1,219.00
AS OF 9/11/2025 (at):

1. Austin Capital Bank filed a bifurcated claim which needs to be resolved. (UNRESOLVED)

2. Capital One Auto Finance filed a bifurcated claim which needs to be resolved. (UNRESOLVED)

3. Objection filed by Credit Acceptance (Eisenberg Gold) - creditor wants adequate protection payments and proof of insurance. (UNRESOLVED)

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Must service Credit Acceptance. (CERT OF SERVICE FILED)

Plan proposes: $613 x 60 beginning 7/1/2025, 0% to unsecured creditors
Payments: 2/3, arrears $606.08
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-15972 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $1,820.00
issues as of 9/9/2025 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLE
- The debtor has insufficient income.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $2,400/month for rent (need copy of lease); $100/month for student loans (plan does not state these will be paid outside). Need proof of expenses 10 days prior to confirmation.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,746 when determining disposable income.
- The Plan fails to provide for a prompt cure of rental arrears. PLAN STATES I PART 1 b THE LANDLORD TO BE PAID IN 1ST 21 MONTHS IN THE AMOUNT OF $11,556 (WHICH IS THE CLAIM OF $10,400 PLUS COMP)

proposed plan $725x46 landlord to be paid in first 21 months $0
paid in $728
arrears $1,456
last claim 7-1

Email InquiryMatter ResolvedRequest
Adjournment
16610/29/2025 10:00 am25-15994 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $888.00
As of 8/20/25 (DS): 341 sched 8/21/25 needs to be rescheduled, no Trustee payments made, Debtor in arrears $1,742, made 0 out of 2.
871 POSTED 8-22-25
Email InquiryMatter ResolvedRequest
Adjournment
17110/29/2025 10:00 am25-16093 / MBKMark Kriegel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,275.00
As of 9/16/25 (DS): Debtor atty requested adj to allow time to resolve late claim filed by Shoreham

As of 9/16/25 (DS): 1. Late claim was filed by Shoreham 9/15/25. Debtor atty will need to file motion to allow Trustee to pay late filed claim. EMAILED DEBTOR ATTY TO REQUEST ADJ

Trustee recommends confirming at $1,275 x 3 begin 7/1/25; $2,500 x 11 begin 10/1/25; $3,964 x 34 begin 9/1/26 100% with a min. div. $61,671 to gucs due to non-exempt equity and Trustee ok to pay claim#5-2 of IRS $7,580.

Suppl trustee obj: Debtor is not proposing to pay all disposable income into the plan. The debtors disposable income is approximately $4,300 monthly. The plan must pay 100% to unsecured creditors.

- Min. div. $71,350 due to non-exempt equity;
- Trustee ok to pay claim#5-2 of IRS $7,580.
- Section 4a to be stricken and not paid as to Shoreham Bank, no claim filed. Should claim be filed, Debtor attorney will need to enter into consent order with creditor to allow Trustee to pay the late filed claim.
EMAILED DEBTOR ATTY

1. Trustee obj there is non-exempt equity in the residence $71,350. Debtor atty emailed that mtg informed balance owed is $13,541.72. Per atty ok not to pay since no claim filed and bar date has passed.

2. IRS filed claim for $7,580. Per email from atty Trustee ok to pay.

3. Attorney has verified that debtor works for both much jobs and income does verify much higher at $4,296. Pension loan $2,053 ends 8/2026 showing disposable income will be $6,349.

Prop Plan $1,275 x 60 begin 7/1/25; Base
Note: Strangely enough the disposable income and the non-exempt equity work up the same Base amount.
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-16093 / MBKMark Kriegel, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,275.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-16572 / MBKDemetrius J. Parrish Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $1,680.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-16689 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-16803 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $125.00
AS OF 9/12/25 (SF)

1. 341 NOT HELD - RESCHEDULED TO 10/9/25

2. PAYMENTS: 3/3

Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-16856 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $800.00
AS OF 9/12/2025 (at):

DEBTOR HAS MADE ONE OF THREE TRUSTEE PAYMENTS.

Trustee's objection:
- The debtor has insufficient income.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,156.02/month car payment
- Certification regarding JNZ United Construction. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,192 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)
- Confirming order should provide for all non-exempt proceeds from personal injury and wrongful termination claims. (LANGUAGE ADDED)


Plan proposes: $400 x 36 beginning 7/1/2025, base
Payments: 1/3, arrears $800
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-17066 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $5,000.00
AS OF 9/8/2025 (at):

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

1. 341 is scheduled for 10/2/2025. (READY)
2. Payments: 1/2, arrears $5,200
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-17095 / MBKAndrew M. Carroll, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,490.00
issues as of 9/12/2025 (JMA)

1) JPMorgan Chase Bank (Powers Kirn) objection to confirmation - NEED TO RESOLVE
- The plan underestimates the pre-petition arrears, creditor estimates approximate amount of $61,889
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Disposable income verifies -$1,522. No income provided for the 2 employers listed on Sched I.
- 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 current market analysis with comps.
- Proof of 2 month's income - from employment. Only received 1 pay stub from Burlington County Elections for June.
- 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 $352,889.
- 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). Must resolve creditor objection.
- The debtor needs to add the $4000 small claims court lawsuit to the schedules.
- The debtor needs to add the part time woodworking income.

proposed plan $745x60 begin 8/1/2025 100% plan
paid in $745
arrears $745
no claims filed
Email InquiryMatter ResolvedRequest
Adjournment
18710/29/2025 10:00 am25-17153 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $250.00
AS OF 9/11/25 (SF)

1. Objection filed by SN Servicing/US Bank - failure to pay arrears and speculative loan mod

2. Request of Loss Mitigation scheduled for 9/17 at 9 (Contested)


Note: If loan mod is denied, plan is not feasible.

Plan proposes $250 x 36 Loan Mod by 2/1/26 Base Plan
Payments: 1/2 Arrears: $250





Email InquiryMatter ResolvedRequest
Adjournment
18810/29/2025 10:00 am25-17167 / MBKStephanie Shreter, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $110.00
issues as of 10/1/2025 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. income verified lower than scheduled amount using paystubs provided. negative disposable income
- The debtor has failed to supply the Trustee with the following document(s): Need to provide better copy of car insurance policy. Document provided does not clearly show the expiration date of the policy

proposed plan $110x60 base plan
paid in $220
arrears $110
last claim 10-1
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-17192 / MBKCarrie J. Boyle, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $600.00
AS OF 9/10/25 (SF)


1. 341 NOT HELD RESCHEDULED TO 9/25
2. PAYMENTS: 1/2 ARREARS: $300
Email InquiryMatter ResolvedRequest
Adjournment
19410/29/2025 10:00 am25-17313 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/4/2025 (at):

RECOMMEND: $916 PAID TO DATE, $600 x 2 BEGINNING 10/1/2025, $680 x 13 BEGINNING 12/1/2025, $780 x 19 BEGINNING 1/1/2027, BASE

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 $714.92.

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
- Need statements for the debtor's two 401k loans. (RECEIVED)
- Need June and July bank statements for Bank of America account 7275 and TD Bank account 9391. (RECEIVED)

Plan proposes: $458 x 36 beginning 8/1/2025, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
19610/29/2025 10:00 am25-17361 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,385.00
As of 9/9/25 (DS): 1. Trustee obj to the following:
- Must amend Sched B and C to add 2015 Volkswagen.
- Sched C over exempts d(5) by $2,933.
- Excessive expenses on Sched J: Home maintenance $550, Electricity/heat/gas $780, Tele/Cell/Internet/Cable $580, Clothing $690, Medical $690, Transportation $870, Entertainment $375, Auto insurance $790 and Car payment $668. The plan must continue to pay 100% to unsecured claims.
- 22C Line 45 has disposable income $7,152.24. Plan must continue to propose 100%.
- There is non-exempt equity in the residence $297,563 and $2,933 in TD Bank checking acct#5259 total $300,496. Total gucs filed $64,423.58, recommend waiting pass bar date 9/22/25.
- Must file Pre-confirmation certification.

2. IRS filed estimated tax claim, 2024 tax return not filed. Must resolve claim.

3. Arrears claim filed by Toyota for $429.32 and Ally Capital for $209.43. Trustee ok to pay arrears?

Prop Plan $1,385 x 60 begin 8/1/25; 100%
Note: Mod plan filed adds Valon Mtg arrears to be paid and marks off 8a and 8d.
Email InquiryMatter ResolvedRequest
Adjournment
19710/29/2025 10:00 am25-17362 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $421.00
AS OF 9/15/25 (SF) More claims were just filed need to increase payment or adjourn to after bar date. Plan requires 100%

RECOMMEND $421 X 2 (BEGIN 8/1/25); $1,456 X 46 (BEGIN 10/1/25) 100% PLAN W/MIN DIV OF $12,190 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 7 DAYS
- PLUS NONEXEMPT PROCEEDS FROM POTENTIAL LAWSUIT AGAINST FORMER LANDLORD



Trustee objection:

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

- 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.
- Verified income leaves monthly disposable income of $2,959.32. (PLAN WILL REQUIRE 100% TO GUCS)

- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,698.00 when
determining disposable income.

- There is $12,189.27 in non exempt equity in the debtor's personal property.

- Attorney to list potential lawsuit against former landlord.




Plan proposes $421 x 60 Base w/min $12,190 to gucs
Payments: 1/2 Arrears: $421

RESOLVED:
- The debtor must provide updated proof of auto insurance for the 2018 Nissan Murano . The
policy provided has expired. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
19810/29/2025 10:00 am25-17452 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $500.00
issues as of 9/12/2025 (JMA)

1) 341 hearing rescheduled for 10/9/2025 - NEED TO REQUEST ADJOURNMENT.
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-17520 / MBKRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $900.00
9/18/25 auto insurance received
Email InquiryMatter ResolvedRequest
Adjournment
20510/29/2025 10:00 am25-17684 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $735.00
issues as of 9/10/2025 (JMA)

1) New Jersey Housing and Mortgage Agency (Pluese Becker) objection to confirmation - NEED TO RESOLVE
- Debtor has filed Chapter 13 three times - June 17, 2019, February 7, 2023, and July 22, 2025.
- As this is the second case within the past year, the Debtor has filed the within Motion to Extend the Stay pursuant to 11 U.S.C.362(c)(3).
2) Prestige Financial Services Inc (Eisenberg Gold & Agrawal) objection to confirmation - NEED TO RESOLVE
- There is a non-bankrupt co-debtor (Daniel Sutton) on the contract for the 2015 Nissan Altima. If the Debtor pays the claim at anything less than contractual terms, Prestige shall be entitled to co-debtor relief pursuant to 11 U.S.C. to pursue the co-debtor for any deficiency,
- In the alternative, if the Debtor chooses not to protect the co-debtor, the vehicle cannot be crammed down since it was purchased on
July 3, 2023, less than 910 days before the filing of this petition.
- Prestige's claim must be paid in full along with interest at a rate sufficient to protect Prestige from risk of loss.
- The plan should be amended to provide for playme of the net loan balance of $13,016.57 PLUS interest at 9.5%
3) Trustee objection to confirmation - NEED TO RESOLVE
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $71,485 in non-exempt equity in the residence (100% PLAN.)
- There is $38,395 in non-exempt equity in the inheritance.
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Prestige Financial Service.
- Credit Acceptance filed a bifurcated claim which needs to be resolved.
- Add all non-exempt proceeds from the estate of the debtor's father.

proposed plan $745x60 100% plan
paid in $750
arrears $740
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-17684 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $735.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-17769 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 3 required payments   Arrears: $0
issues as of 9/10/2025 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - STILL NOT FILED
- The debtor must provide updated proof of auto insurance for the 2016 Honda Accord. The policy provided expires on 9/14/25. NEED TO PROVIDE RENEWAL
- 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 $9,354.85. REVIEW OF INCOME SHOWS $5,322.40 REGULAR INCOME PLUS OVERTIME OF $8,793.38. SENDING EMAIL TO DEBTORS ATTORNEY FOR ADDITIONAL INFORMATION.
- Reviewed the 22C, monthly gross income is $17,751. Per the 22C, monthly disposable income is $8,572.50. DISPOSABLE INCOME ON FORM 22 C LINE 11 IS $7949.08. FORM 22C LINE 45 IS NEGATIVE
- Plan payments need to increase by $200 in October once the pension repayment ends.
- Attorney to include timeshare in the schedules and surrender under the plan

proposed plan $150X60 BASE PLAN
paid in $300
last claim 9-1

RESOLVED ISSUES:

- Reviewed the 22C, monthly gross income is $17,751. Per the 22C, monthly disposable income is $8,572.50. DISPOSABLE INCOME ON FORM 22 C LINE 11 IS $7949.08. FORM 22C LINE 45 IS NEGATIVE
Email InquiryMatter ResolvedRequest
Adjournment
20810/29/2025 10:00 am25-17837 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/16/2025 (at):

1. 341 is scheduled for 10/2/2025. (READY)
2. Payments: 1/2, arrears $475
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-17846 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $400.00
As of 9/15/25 (DS): Debtor atty requested adj, 341 sched 9/25/25, 1 Trustee payment made $400 on 9/12/25
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18149 / MBKDavid A. Semanchik, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18359 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $800.00
issues as of 9/30/2025 (JMA)

1) Toyota Motor Credit (Stewart Legal Group) objection to confirmation - NEED TO RESOLVE
- Claim to be treated as unaffected by the plan
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor must provide updated proof of auto insurance for the vehicles. The policy provided has expired.
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(5) by $15,400, used d(1), which only remained $1,675.
- 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 $1,625. Plan is 100%.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the residence $145,925, $3,125 in 2019 Toyota, $1,200 in 2007 Toyota and $1,113 in Wells Fargo Bank account.

proposed plan $800
paid in $800
last claim 5-1
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18409 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $3,808.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18487 / MBKHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18583 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18614 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18661 / MBKJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18667 / MBKBrian F. O'Malley, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $344.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18693 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18696 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $3,234.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18708 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $6,000.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18787 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $445.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18842 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $400.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18873 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $517.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18984 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $400.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-18994 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $9,964.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19101 / MBKBruce C. Truesdale, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,046.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19126 / MBKNatalee Picillo, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19143 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19183 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19262 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,787.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19270 / MBKChristopher G. Cassie, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,085.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19288 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $229.00
Email InquiryMatter ResolvedRequest
Adjournment
010/29/2025 10:00 am25-19324 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $100.00
Email InquiryMatter ResolvedRequest
Adjournment
2110/29/2025 11:00 am25-14673 / MBKPRO SEOrder Show Cause3rd Party MatterFailure to Pay Amendment Fee.
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes