ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Mark Edward Hall

Hearing Date: 12/3/2025
Last Updated: 11/13/2025 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am18-28474 / MEHSteven J. Abelson, Esq.Motion EnforceNo Opposition FiledMTN TO REOPEN TO ENFORCE 2/29/22 ORDER STAYING SS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am19-18605 / MEHKirsten B. Ennis, Esq.Motion Requesting Redaction3rd Party Matter
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Adjournment
012/3/2025 9:00 am20-16074 / MEHJeffrey E. Jenkins, Esq.Motion Reopen Ch. 13 Case (fee)No Opposition FiledMTN REOPEN FINC MGMT COURSE CERT IN SUPPORT
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am20-19200 / MEHS. Daniel Hutchison, Esq.Motion to Cancel and DischargeNo Opposition FiledMTN TO DISCHARGE MTG LIEN/WILMINGTON SVGS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am20-21715 / MEHJonathan Stone, Esq.Motion Relief from Stay (Fee)No Opposition FiledTOYOTA MOTOR (STEWART)
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Adjournment
312/3/2025 9:00 am20-22492 / MEHEdward Hanratty, Esq.Creditor Certification of Default3rd Party MatterADJ to 12/3 Peremptory

Debtor obj<> CARRINGTON MTG (Friedman Vartolo)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am22-10319 / MEHRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am22-10915 / MEHWarren D. Levy, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN APPV AGE DISCRIMINATION SETTLEMENT AWARD (KEAVENEY LEGAL GRP)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am22-11197 / MEHKevin C. Fayette, Esq.Motion Reinstate StayNo Opposition FiledMTN REIMPOSE STAY/US BANK TRUST
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Adjournment
012/3/2025 9:00 am22-11974 / MEHRoman Akopian, Esq.Motion Relief from Stay (Fee)No Opposition FiledWYNNEFIELD AT SOMERSET CONDO ASSOC (McGOVERN)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am22-12621 / MEHMaureen Vella, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am22-13109 / MEHCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS (AMT: ALSO, SV GRANTED 11/12
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am22-14486 / MEHMelinda D. Middlebrooks, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterPLANET HOME LENDING (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am22-14486 / MEHMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am23-11264 / MEHThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
1712/3/2025 9:00 am23-11659 / MEHLaurence R. Sheller, Esq.Creditor Certification of Default3rd Party MatterAMT; TR CONDUIT REQUEST<>

Debtor obj<> CARRINGTON/Norlaine Dr (Hill Wallack)
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Adjournment
012/3/2025 9:00 am23-14807 / MEHPeter J. Broege, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledLAKEVIEW LOAN (BROCK)
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Adjournment
012/3/2025 9:00 am23-15718 / MEHJay B. Feldman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledAMT: MP 12/3<>

PLAN NOT FEASIBLE DUE TO PP MORTGAGE ARREARS ADDED
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am23-18727 / MEHCarrie J. Boyle, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> PENNYMAC/Cactus St (Frenkel)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am23-19143 / MEHBrian S. Thomas, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
2312/3/2025 9:00 am23-19143 / MEHBrian S. Thomas, Esq.Creditor Certification of Default3rd Party MatterAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> MIDFIRST BANK (kml)
Email InquiryMatter ResolvedRequest
Adjournment
4312/3/2025 9:00 am23-19331 / MEHJohn Michael McDonnell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP to be filed to surrender the vehicle - ADJ to 12/3

AMT: TR MTN CAN BE W/D IF MTN TO REINSTATE STAY IS GRANTED<<>>


Debtor obj<>SV/SANTANDER; ARREARS
ATTY TO ADDRESS STAY VACATE OPPOSITION IS NOT CLEAR
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am23-19613 / MEHMark N. Glyptis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS/FAILED TO MAKE LUMP SUM PYMT DUE 9/19/25
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am23-21458 / MEHJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledJPMORGAN CHASE BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-10186 / MEHMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledSV/US BANK
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-10317 / MEHPeter J. Broege, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-13243 / MEHLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableRevised Order SubmittedRevised Order submitted on 11/3/25 (dm)

MTN SUSPEND PLAN PAYMENTS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-14149 / MEHJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-14500 / MEHRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-14631 / MEHAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj, will make pymts 11/28 & 12/11<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-15542 / MEHStephen M. Goldberg, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledDEBTOR MTN ALLOW LATE POC #10-1/PSE&G
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-17040 / MEHScott E. Kaplan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
3912/3/2025 9:00 am24-17927 / MEHSteven J. Abelson, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterDebtor obj<>OCEANFIRST BANK (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-18938 / MEHCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS; SV/NEWREZ
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-19360 / MEHFred R. Braverman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO ADDRESS PER PLAN/IRS & NJ DIV TAX
Email InquiryMatter ResolvedRequest
Adjournment
4712/3/2025 9:00 am24-20801 / MEHJohn Michael McDonnell, Esq.Motion for Relief from StayNeeds Resolution of Issues - ObjectionsAMT; TRUSTEE CONDUIT REQUEST<>

RE-LISTED 4/16/25 MFR WAS OTBS<<>>

Debtor obj<> LEACY MTG ASSET/Silzer St (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-21195 / MEHDonald C. Goins, Esq.Motion to Approve Loan ModificationNeeds Resolution of Issues - ObjectionsWells Fargo Bank obj (Brock & Scott)<> MTN TO APPROVE LM
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-21760 / MEHScott J. Goldstein, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
5512/3/2025 9:00 am24-21901 / MEHRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP filed 10/20 with Notice selected (dm)

Debtor obj, working on LM, filing MP<>FAILED TO LM BY 9/1/25
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-22257 / MEHDaniel E. Straffi, Esq.Hearing Scheduled (Document)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am24-22571 / MEHWarren Brumel, Esq.Motion Relief from Stay (Fee)No Opposition FiledSELECT PORTFOLIO (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-10045 / MEHLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledFAILED TO SELL ELM DR PPTY BY 7/15/25
Email InquiryMatter ResolvedRequest
Adjournment
5312/3/2025 9:00 am25-10051 / MEHRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>CARRINGTON MTG (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
6212/3/2025 9:00 am25-11136 / MEHMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 12/3<<>>

Debtor obj, filing MP to surrender<>FAILED TO SELL KENNISAW WAY PPTY BY 8/31/25
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-11168 / MEHRobert Manchel, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>Atty obj, did not receive mtn-requested adj<>NEWREZ/SHELLPOINT (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-11169 / MEHJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)No Opposition FiledLAKEVIEW LOAN (STERN LAVINTHAL)
Email InquiryMatter ResolvedRequest
Adjournment
6112/3/2025 9:00 am25-12715 / MEHJames J. Cerbone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objectionsamt: TRUSTEE CONDUIT REQUEST<<>>

Debtor obj<> FEDERAL HOME LOAN/Valerie Court (Hladik)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-12823 / MEHAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>CARRINGTON MTG (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
6512/3/2025 9:00 am25-13673 / MEHMaryBeth Schroeder, Esq.Motion Relief from Stay (Fee)3rd Party MatterDebtor obj<>ACAR LEASING (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-14056 / MEHMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)No Opposition FiledJPMORGAN CHASE (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-14065 / MEHDavid A. Semanchik, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledAMERICREDIT FINC (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-14177 / MEHMaryBeth Schroeder, Esq.Hearing Re: Debtor's Failure to File Schedules Post ConversionJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-14344 / MEHKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS; SV/ANCDI PPTIES
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-14351 / MEHJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledAMERICAN HONDA (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-14417 / MEHAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS; FAILED TO LM BY 10/29/25
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-15317 / MEHDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledPLAN DENIED ON 10/22/25 AND FAILED TO FILE MP WITHIN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
7012/3/2025 9:00 am25-15519 / MEHJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsADJ to 12/3 - PEREMPTORY - AR to send email to Maria Cozzini, Esq
Debtor obj<>US BANK NAT'L ASSOC (STERN LAVINTHAL)
Email InquiryMatter ResolvedRequest
Adjournment
7112/3/2025 9:00 am25-16154 / MEHMarc C. Capone, Esq.Motion Relief from Stay (Fee)3rd Party MatterDebtor obj<>CITIZENS BANK (WELTMAN)
2019 Jaguar
Email InquiryMatter ResolvedRequest
Adjournment
7212/3/2025 9:00 am25-16156 / MEHMarc C. Capone, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterDebtor obj<>US BANK TRUST NAT'L ASSOC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-16550 / MEHAndrew M. Carroll, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledCARRINGTON MTG (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-16829 / MEHKarina Pia Lucid, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN APPV PI SETTLEMENT AWARD
Email InquiryMatter ResolvedRequest
Adjournment
7412/3/2025 9:00 am25-16977 / MEHMoshe Rothenberg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party MatterADJ to 12/3 Peremptory
Trustee OBJ
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-18214 / MEHJustin M. Gillman, Esq.Motion Relief from Stay (Fee)3rd Party MatterCITIGROUP MTG LOAN TRUST (PLUESE)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-18251 / MEHScott E. Tanne, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterSN SERVICING (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-18251 / MEHScott E. Tanne, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-18323 / MEHDonald C. Goins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-18654 / MEHJames J. Cerbone, Esq.Motion Sell3rd Party Matter24 HIGHLAND AV
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-19181 / MEHPRO SEMotion Motion (Generic) - Only use if no other event is applicable3rd Party MatterMTN ENFORCE DEFAULT/JUDICIAL NOTICE OF FRAUD
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-19238 / MEHPRO SEMotion for Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledLOSS MIT/WELLS FARGO HOME MTG
Email InquiryMatter ResolvedRequest
Adjournment
8112/3/2025 9:00 am25-19247 / MEHPRO SEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party MatterTrustee OBJ
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-19308 / MEHPRO SEMotion Relief from Stay (Fee)No Opposition FiledTARA WILKS/WEXFORD APT (GREENBLATT)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-19530 / MEHYakov Rudikh, Esq.Motion Relief from Stay (Fee)3rd Party MatterWAQAS MEHAR (SHAPIRO CROLAND)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-20800 / MEHDavid L. Stevens, Esq.Motion Extend Time3rd Party MatterFILE SCHS. STMT AND DOCS (SCURA, WIGFIELD)
Email InquiryMatter ResolvedRequest
Adjournment
8412/3/2025 9:00 am25-20800 / MEHDavid L. Stevens, Esq.Motion Extend Time3rd Party MatterBridge Order - all missing schedules by 11/20, 341 docs by 11/20, 341 will be scheduled before 12/3, debtor to be current with plan payments by 12/3

MTN EXT STAY

Trustee OBJ
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 9:00 am25-21852 / MEHYakov Rudikh, Esq.Motion Impose Automatic Stay3rd Party MatterMTN EXT STAY ALL CREDS
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Adjournment
012/3/2025 9:00 am25-22017 / MEHPeter E. Zimnis, Esq.Motion to extend stay3rd Party MatterMTN EXT STAY
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Adjournment
012/3/2025 9:00 am25-22017 / MEHPeter E. Zimnis, Esq.Motion Extend Time3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am23-15718 / MEHJay B. Feldman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 24 of 28 required payments   Arrears: $79.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am23-17709 / MEHBrad J. Sadek, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 26 of 26 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
8812/3/2025 10:00 am23-18866 / MEHRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 56 of 25 required payments   Arrears: $3,691.00
11/6 workup

104,008.99 paid to date then $850 x 1 beg 12/1/25 100%--nj claim 1-1 and New Rez to be paid outside at closing--student loans outside--fee application within 7 days



Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am24-21901 / MEHRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 11 required payments   Arrears: $603.00
Email InquiryMatter ResolvedRequest
Adjournment
9212/3/2025 10:00 am25-10118 / MEHWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $1,542.00
NA - 2nd call - ADJ to 12/3 - Trustee to file Motion to Convert
AS OF 10/14/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,028
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-10550 / MEHHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 10 required payments   Arrears: $7,500.00
Note - Fee App pending (dm)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-11136 / MEHMarc C. Capone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 9 required payments   Arrears: $3,272.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-11929 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 14 of 9 required payments   Arrears: $100.00
ISSUES AS OF 10/10/2025 (DM):

 Note - debtor is now on unemployment (BANK STATEMENT AND AWARD LETTER SHOWING UNEMPLOYMENT UPLOADED 10/17/25.)

 INTERIM SCHEDULING ORDER (8/8/25)
- Complete copy of non-debtor spouse 2024 tax return (RECEIVED.)
- 2 months bank statements for TD Bank #5342 (RECEIVED A CHASE STATEMENT WITH THAT ACCT NUMBER NOT A TD BANK ACCT - AMENDED SCH A/B CHANGES BANK NAME.)
- Copy of Progressive Life Insurance statement (ERROR - THIS IS RENTERS INSURANCE - SCH A/B HAS BEEN AMENDED TO REMOVE LIFE INSURANCE AS AN ASSET. SEE ALSO CERT DOC #34.)
- Certification regarding all car payments and car insurance amounts (SEE CERT DOC #34 & DOC #37.)
- Excessive Expenses: Honda Prologue (SON PAYS - CERT DOC #34), VW Atlas (DEBTOR'S CAR - CERT DOC #34), Honda Civic (DAUGHTER DRIVES - CERT DOC #34), $300 Cable/Netflix (RECEIVED VERIZON BILL FOR $258.51), $313 support payments (RECEIVED COURT ORDER), $5,718 spouse's expenses on Sch J and Line #43 on 122c (EXPENSES RECEIVED TOTAL $4,641.03 COMPRISED OF $196.66 WETGATE RESORT MTG, $125.19 WESTGATE RESORT MAINTENANCE, $1,797.70 SOFI LOAN, $907.73 UPGRADE LOAN, $348 NJ TAX INSTALL AGREEMENT, $200 IRS INSTALL AGREEMENT, $196.16 CITI CREDIT CARD, $694.36 BMW X3, $175.23 INSURANCE FOR BMW. CERT DOC #34 ADVISES THAT HER EXPENSES ARE LOWERED TO $3,420.05)
- Shall resolve IRS POC 8-3 (TAXES NOT ESTIMATED BUT $75k SECURED & $16k PRIORITY NOT FULLY FUNDED IN THE MP.)
- Shall resolved NJ POC 30-2 (TAXES NOT ESTIMATED BUT $4k SECURED NOT IN THE PLAN - PAY PER POC?)


1) MP provides $4,338.46 priority treatment to State of NJ - creditor filed $4,338.46 secured claim not treated in the plan (PAY PER POC?)

2) MP proposes $16,049.73 priority to the IRS to pass through the Bk as nondischargeable and $40,000 secured to the IRS to be treated outside the plan (NEED A CONSENT ORDER WITH THE IRS.)

3) Trustee OBJ:
- Need 2 months bank statements from TD Bank acct#5342 (SEE NOTE ABOVE.)

***RESOLVED ISSUES***

 6/13/25 (DS): Atty re
Email InquiryMatter ResolvedRequest
Adjournment
9712/3/2025 10:00 am25-12148 / MEHRoger Chavez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 9 required payments   Arrears: $1,671.00
10/27/25(mk) Appraisal uploaded for $575,000

ADJ to 12/3 Peremptory - Atty has appraiser coming in for new CMA
MP #37 filed 10/21/25 - has IRS POC amount and cures Toyota arrears

RESOLVE OR HOLD

AS of 10/21/25(mk):UPDATED case is 8 mos old


1. IRS filed a priority claim for $16,899. Plan has 5,000. (MP filed to pay this) Payment will need to increase to cover it

2. Plan has Toyota Financial on 2021 Tundra as unaffected. They filed a claim for arrears of $1,329-OK TO PAY? MP just filed pays this

3. Trustee objection:
- debtor has insufficient income. Verified income leaves monthly disposable income of -$627.35. Plan is in arrears as of now 2 payments
-Need A current market analysis - Need updated CMA. The Appraisal submitted is over a year old(August 2024). Zillow has property at $597,800( which means non exempt equity is $24,842. petition lists it at $555,000


Plan: $557 X 48; MIN $19,032
6/8 payments arrears 1,114
plan may need to be 60 mos total


-------------------------RESOLVED----------------------------
- The debtor has failed to file the required Pre-Confirmation Certification FILED
- Need Proof of 2 month's income - . December and January pay stubs for the co-debtor.PROVIDED
- need copy of the last filed tax return - for 2024 for the debtor. PROVIDED
- debtor must provide updated proof of auto insurance for the 2021 Toyota Tacoma . The policy provided has expired. PROVIDED
SV granted on 2019 Mercedes on 7/9/25- Surrendered in plan
Email InquiryMatter ResolvedRequest
Adjournment
11612/3/2025 10:00 am25-12307 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 8 required payments   Arrears: $600.00
ADJ to 12/3 Peremptory to resolve IRS claim (dm)
ISSUES AS OF 9/22/2025 (DM):

***Plan lacks feasibility - RECOMMEND DISMISSAL***

1) IRS (Eamonn O'Hagan) OBJs - $9,060 secured claim and $123,649.53 priority claim not treated in the plan (UNRESOLVED.)

2) IRS filed an amended estimated unsecured claim for 2019 tax year (AMENDED.)

3) Consent Order on MFR with BMW Fin (McCalla) is adding $4,049.72 post-petition delinquency to the plan. Plus $649 fees and costs.

4) Trustee OBJ:
- Debtor has insufficient income.
- Plan proposes $1,249 arrears treatment to BMW Bank for 2019 Infiniti QX50 - creditor filed claim with $0 arrears (STRIKE PLAN TREATMENT AND TREAT AS SECURED UNAFFECTED?? - Yes)

Note: Updated auto insurance provided. Bank statements provided, amended Sch B and C filed to add bank accts.


Prop. Plan $400 x 36, Base
PTD 5/6 = $2,000
Last Claim (1-5)
Email InquiryMatter ResolvedRequest
Adjournment
9812/3/2025 10:00 am25-12650 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 8 required payments   Arrears: $7,090.00
Debtor is back to work and pay stubs uploaded 10/22
Tax have been filed and uploaded
10/22/25 - Atty will be uploading payment receipt of $1500 and pay stubs


ISSUES AS OF 10/15/2025 (DM):

***Taxes are still estimated, debtors are 3 months behind on Trustee payments, consent order with US Bank adds $1,611 to the budget for the next six months, and cross motion by the condo association asserted that post-petition dues were not being paid. Certification uploaded on 4/14/25 is just a projection of potential income for the debtor - no current documentation showing that debtor is currently gainfully employed. This case is not currently feasible - RECOMMEND DISMISSAL***

 ADJ to 10/22 Peremptory

 MFR by Mtg Co & Condo Assn pending (CONSENT ORDER WITH US BANK ENTERED - SIX-MONTH CURE OF $1,611.25.)

1) IRS filed $10,618.22 amended priority claim that includes estimated taxes for 2021 (UNRESOLVED.)

2) IRS filed an amended general unsecured claim that includes estimated taxes for 2020 (UNRESOLVED.)

3) State of NJ filed $1,870.22 priority claim that includes estimated taxes for 2021 (UNRESOLVED.)

4) State of NJ filed a general unsecured claim that includes estimated taxes for 2020 (UNRESOLVED.)

5) Plan provides $1,331.70 secured treatment to Jackson Twp Municipal - no POC filed by the creditor (STRIKE??)

6) Trustee OBJ:
- Need proof of income for 2 months for Debtor's Union job if he is working (CERT UPLOADED IS JUST A PROJECTION OF WHAT HE ANTICIPATES MAKING.)

***RESOLVED ISSUES***

 ADJ to MEH to 6/18/25 - he wants more information on the law with respect to requirement of insurance (TRUSTEE RESPONSE DOC #22. INSURANCE ISSUE IS NOW MOOT.)

A) Trustee OBJ:
- Need auto insurance for 2013 VW and 2011 Audi - policy expired (RECEIVED.)
- There is $1,451 non-exempt equity in the residence.
- Need 2 months bank statements from BOA acct #8504 (RECEIVED.)
- Need amended Sch A/B and C to add BOA acct #8504 (MOOT - THIS IS FOR JJ STAR AUTOSALES LLC THAT IS NOT ACTIVE. CERT
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-13392 / MEHPaul H. Young, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 6 of 7 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
10412/3/2025 10:00 am25-14195 / MEHEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0
ADJ to 12/3 - Atty to file separate motion because filing creditor is the assignee
AS of 10/15/25(mk):

mk>>IF CREDITOR IN #1 IS NOT PROSECUTING HIS OBJECTION, THEN IS DEBTOR GOING TO MOVE AGAINST CLAIM TO RECLASSIFY TO UNSECURED?? OR ARE WE PAYING THIS AS SECURED??

1. Objection by MMU,LLC( Ragan):
-FILED A SECURED CLAIM.
-Plan cannot be confirmed until the fraudulent transfer issues raised in the prebankruptcy filing state court case, MMU, LLC v. Pascarelli, OCN-C-183-24 (copy of the complaint is attached Exhibit "A" transfer was in 2017 so out of time fpr the fraud...) are resolved within the bankruptcy case.

8/19/25:Debtor filed a response to creditor obj in #1 below: MK; not sure what this response clears up if anything...


TR OBJECTION FILED AS TO:

Debtor atty filed claims for: BOOKS-A-MILLION/AWBC- late claim needs motion and order approving same (MOTION PENDING on for 10/22/25 -ORDER HAS TO PAY SECURED CLAIM THRU PLAN BUT PLAN PROPOSES TO RECLASSIFY TO UNSECURED) SO HOW ARE WE ULTIMATLEY TREATING THIS CLAIM?


Plan:$1800 x 60; BASE
6/6 payments

-----------RESOLVED--------------------------
Debtor also filed a claim for DIV OF WORKERS COMPENSATION SPEC CMP UEF- the gov bar date (10/20/25) has not passed so it its improper for debtor to file the claim at this time THIS CLAIM WAS W/D- need to srtike that from plan


IRS Estimated secured and unsecured claim-APOC FILED

Objection by Wells Fargo(Brock & Scott): ATTY ISWAITNG TO HEAR BACK FROM CREDITOR IF OTBS TO PAY ARREARS IS ACCEPTABLE AND REG PAYMENTS OUTSIDE>> To Be w/d - POC has -0- arrears

Trustee Objection:
-Need estimate of fees for plan calculation( provided)

- Need proof of all liens against the Schooner Rd property.( JUDGMENTS UPLOADED)

-Need Citizens Bank statement for March 2025; PNC Bank statement for March 2025; Capital One statement or April 2025. PROVIDED

- need proof of auto insurance for the 2020 Subaru Forester & 2014
Subaru. The policy provided has expired PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-14351 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,088.00
Email InquiryMatter ResolvedRequest
Adjournment
10412/3/2025 10:00 am25-14638 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $200.00
AS OF 11/6/25

-ORDER DATED 10/29/25 APPROVING REPAYMENT AGREEMENT; CREDITOR SHALL IMMEDIATLEY AMEND THE POC TO RELECT $0 IN PRE-PET ARRERAGES. THE TRUSTEE SHALL NOT NOT MAKE DISBURSEMENTS TO THE CREDITOR (NEED AMENDED CLAIM)

1. Objection filed by Real Time Resolutions (Steven Kelly) - failure to pay arrears of $24,882.39. Secured Creditor objects to confirmation of the Debtor's Plan as its treatment is impermissible under the Bankruptcy Code. Per creditor, the property should be surrendered in the plan. (MUST RESOLVE) NEED STATUS

The plan states:
The debtor's Chapter 7 Discharge for case # 09-21794 absolved her of any and all personal liability for this debt with the original 2nd mortgage holder; this Discharge thus also applies to the current 2nd mortgage holder who took over that same loan. They are free to pursue their State law rights).


Plan proposes $200 x 36 Base
Payments: 5/6 Arrears: $200

RESOLVED:
- Need a copy of the homeowner's insurance renewal declaration - prior to confirmation. Policy provided expires on 6/27/25. (RECEIVED)

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

- Trustee objection:
- Need March and April statements for Venmo account.(RECEIVED)

- ADV filed by NJ Dept of Labor to determine dischargeability of debt (Adv 25-01303) - Pretrial conference 10/1/25. (ORDER FOR JUDGMENT ENTERED ON 9/23/25 $13,236 IS NONDISCHARGEABLE. WILL PLAN BE AMENDED TO PAY THIS?)


Email InquiryMatter ResolvedRequest
Adjournment
10512/3/2025 10:00 am25-14680 / MEHAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $800.00
ISSUES AS OF 11/4/2025 (DM):

1) IRS filed $24,059.23 priority claim that includes estimated taxes for 2024 (UNRESOLVED.)

2) State of NJ filed $13,987.73 priority claim that includes estimated taxes for 2024 (UNRESOLVED.)

3) Freedom Mortgage (Brock & Scott) OBJs to lien stripping of this 2nd mtg - OBJ asserts that lien has been satisfied and a discharge of mortgage docketed - why hasn't the $232.10 arrears POC been amended or withdrawn (OBJ RESOLVED BY MP THAT PAYS ARREARS. THIS IS ACTUALLY A 1st MTG.)

4) Ally Capital filed a secured claim for 2019 Hyundai Elantra not treated in the MP (TREAT AS SECURED UNAFFECTED?? - Yes)

5) Trustee OBJ:
- Need an updated CMA - CMA provided is dated July 2024 and comps are all outdated. Zillow value is $370,500. CMA dated 8/7/2025 (SAME DATE AS 341 HEARING) provides value of $270,000 due to need of repairs.
- Need March & April bank statements from savings acct#6542 shown on Bank of America acct#1353 under transfers (UNRESOLVED.)
- Need amended Sch A/B and C to add 1999 GMC Sierra and 2013 Chevy Spark listed on auto insurance - no additional drivers listed. Need amended Sch C to take (d)(1) exemption on residence (UNRESOLVED.)
- The circumstances and contents of the Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
- Plan fails to propose the non-exempt equity.
- There is $160,688 non-exempt equity in the residence based on Zillow value, and equity in 1999 GMC Sierra and 2013 Chevy Spark pending amended schedules. Bank of America acct has $1,893 in the acct - amount not on Sch B, and Bank of America acct#6542 pending statements.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) AmeriCredit Financial Services dba GM Financial (Eisenberg Gold) OBJs to the plan unless Debtors pay an interest rate of 9.5% on the $29,300 over the life of the plan (MP TREATS AS SECURED UNAFFECTED.)


Prop. Pla
Email InquiryMatter ResolvedRequest
Adjournment
10612/3/2025 10:00 am25-14694 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $0
Per AR - ADJ to 12/3 - Atty getting a full appraisal for AR to review (dm)
- AR wants to discuss CMA with Atty.
ISSUES AS OF 10/15/2025 (DM): updated 10/21/25.

1) Rivers Edge at Delanco (Thomas Orr) OBJs - plan does not list creditor in Part 4 - MP corrects and adds interest to the claim (PER TOM ORR, ADD TO CONFIRMING ORDER TO PAY PER POC.)

2) M&T Bank (Douglas Smillie, Esq) OBJs - the value for the 2017 Ford F-150 is higher than scheduled. Also, the "Till" rate should be 7.5% (OTBS - $19,700 WITH 7.09% RATE FOR TOTAL GROSS OF $23,455.24.)

3) Trustee OBJ:
- Need updated CMA with recent comps 6 months from filing date. The 3 comps provided are dated 12/30/08, 8/16/24 and 9/6/24. Updated CMA includes properties with closing dates of 11/30/18, 12/4/89, 6/30/00, and 11/30/18 (THERE ARE SOME ANOMALIES IN THE 3rd CMA UPLOADED ON 10/15/25 - NEED TO DISCUSS WITH THE TRUSTEE.)

- 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. Section 1325(a)(3). There is non-exempt equity in the rental property.

- There is $89,929 estimated non-exempt equity in the residence pending amended Sch C (FILED/AMENDED) and updated CMA (SEE CMA NOTES REFERENCED ABOVE.)

- Disposable income calculation emailed to Atty.

***RESOLVED ISSUES***

 Amended Business Form indicates the debtor owns Norway Ave property. Atty needs to get back to me regarding if the debtor has an ownership interest in Norway Ave property (EMAILED COPY OF DEED DATED 4/21/06 - WIFE'S NAME ONLY APPEARS ON THE DEED - dm)

 Need copy of mtg statement on girlfriend's property (RECEIVED. STATEMENT SHOWS $1,273 EXPENSE AND SCH. J SHOWS $1,504 EXPENSE ... $231 DIFFERENCE.)

A) Trustee OBJ:
- Business Forms that adds amount paid to Debtor and part time employees on Part 5 (AMENDED FORM RECEIVED.)
- Tax refund of $1,704 was not prorated and included in disposable income calculation (AVERAGED/ADDED TO INCOME - 2024
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-15049 / MEHEdward Hanratty, Esq.Confirmation HearingPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
10712/3/2025 10:00 am25-15058 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $2,569.00
AS OF 11/6/25 (SF)


1. Objection filed by SN Servicing (Wohlrab) - Debtor`s proposed plan is insufficient to provide for the total debt claim of Secured Creditor. (MUST RESOLVE) NEED ORDER

2. Trustee objection:

- There is $126,352.43 non-exempt equity in house. Plan requires 100%.

Plan proposes $2574 x 60 Base Plan
Payments: 5/6 Arrears: $2569


RESOLVED:
- State of NJ filed estimated priority and secured claim 9-1 (AMENDED)
- The debtor has failed to file the required Pre-Confirmation Certification (filed)

Email InquiryMatter ResolvedRequest
Adjournment
10812/3/2025 10:00 am25-15091 / MEHJuan C. Velasco, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $30.00
ADJ to 12/3 for work-up - CO with Provident Bank and 2021 tax return has been upload.
ISSUES AS OF 11/4/2025 (DM):

1) IRS filed $2,901.96 priority claim that includes estimated taxes for 2021 not treated in the plan (UNRESOLVED.)

***RESOLVED ISSUES***

A) Provident Bank filed a secured judgment lien on a 1st mtg in the amount of $437,615.72 - proposed plan is not feasible (PER AR, THIS CAN BE WORKED-UP PAYING THE ARREARS OF $57k PER THE POC.)

B) Trustee OBJ:
- Debtor has failed to file the Pre-Confirmation Certification (FILED.)


Prop. Plan $2,028.93 x 60, 100% Plan
PTD 5/6 = $10,120.93
Last Claim (6-1)
Email InquiryMatter ResolvedRequest
Adjournment
11012/3/2025 10:00 am25-15312 / MEHAniello D. Cerreto, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $476.00
ADJ to 12/3 for update documents.
- P&L statement for all entities Jan 2025 - Oct 2025.
- Balance Sheet for all entities 12/31/24.
- Balance Sheet for all entities 10/31/25.
- Amended Sch I&J. Need proof of income for non-debtor spouse.
- Need explanation regarding how funds get from Locksmith company to payroll companies.

ISSUES AS OF 11/4/2025 (DM):

1) MP proposes to pay $14,500 secured pay-in-full to JP Morgan Chase for 2015 Toyota RAV4 - creditor only filed a total claim of $8,667.37 (NEED TO ASK RAS ABOUT THEIR FILED CLAIM & PLAN TREATMENT.)AR NEED ORDER

 Note - P&L statements All State Dispatch & Services uploaded 9/26/25

2) Trustee OBJ:
- Need Certification regarding All City Service & Dispatch if company is only set-up to disburse payroll for The Locksmith & Shipping Store. In the event that All City Service & Dispatch has its own employees, then separate P&L statements need to be provided for the company. (CERTIFICATION UPLOADED 9/29/25.)

- Disposable income verifies at $100,205. Based on Debtor's income from business, there is
sufficient income to pay 100% to general unsecured creditors. Tax returns from 2024 show $224,310 gross income - how is Atty only getting $6,137 for monthly income.

- Excessive Expenses: Home maintenance $300 and Food $1,200.

- Need April & May bank statements from Chase Bank acct #6169 (NOT RECEIVED.)

- Debtor has undertaken an improper use of exemption. Specifically, improper 15 U.S.C. Section 1673 and 522(d)(1) exemptions were taken on checking accts. Only permitted to take 522(d)(5) exemptions.

- There is $12,188 non-exempt equity in the residence, unknown estimated on cars (pending valuations and balance statements), Collectible items $500 (OK), Firearms $2,000 (OK), Chase Bank accts (pending all statements) and Inventory $8,000.

- Must provide balance statements and valuations for all cars listed on Sched B. Per POC filed for 2015 Toyota RAV4 car valued on NADA $13,525, owed $8,667 leaving non-exempt equity $4,858.
Email InquiryMatter ResolvedRequest
Adjournment
11412/3/2025 10:00 am25-15519 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $374.00
ADJ to 12/3 - AR to send email to Maria Cozzini, Esq
Resolve or Hold on US Bank OBJ
ISSUES AS OF 10/30/2025 (DM):

 Motion to Enforce & Approve Loan Mod pending (WITHDRAWN.)

1) US Bank (STERN L) OBJs - 232,259.96 arrears on Poplar Pl property (UNRESOLVED.)

2) Trustee OBJ:
- Monthly disposable income verifies at $4,805 - debtor only proposing $187 per month.
- There is $21,486 non-exempt equity in real estate (100% PLAN.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)
- Any dismissal should trigger a 180-day bar to refiling.


Prop. Plan $187 x 36, 100% Plan
- Loan Mod by 1/28/26
PTD 4/5 = $748
Last Claim (6-1)
Email InquiryMatter ResolvedRequest
Adjournment
12012/3/2025 10:00 am25-16332 / MEHDavid Jerome Witherspoon, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $150.00
issues as of 11/6/2025 (JMA)

1) Society Hill East Condominium Association Inc (Cutolo Barros LLC) objection to confirmation - NEED TO RESOLVE
- CREDITOR NEEDS TO FILE A MOTION TO ALLOW LATE CLAIM. THE BAR DATE PASSED 8/25/2025 AND THE CLAIM WAS FILED ON 10/7/2025.
- Debtor's amended Schedule D provides for no unsecured claim of the Association when the Association has an unsecured pre-petition claim of $2,032.25.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2024.
- Must provide pension loan balance statement prior to filing date and valuation for 2020 Toyota Corolla (Per NADA car is valued between $9,500-$12,550).
- Must resolve creditor objection.
-Add to confirmation terms that claim of US Dept of HUD is to be treated as unaffected and outside plan.

proposed plan $150x12 begin 8/1/2025, $450x48 base plan
paid in $600
arrears $150
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
11312/3/2025 10:00 am25-16535 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
As of 10/17/25 (DS): 1. Issues which remain unresolved since last confirmation:
- Must provide Debtor's cert regarding the debtor's right to receive an inheritance from father's estate. Add to confirming order non-exempt proceeds from father's estate to Trustee.
- Towd Point Mtg (CORY WOERNER) obj to plan not paying arrears and loan mod must be done no longer than 90 days from filing, not 6 month. Must resolve obj.

8/20/25 (DS): 1. Trustee obj to the following:
- Must provide Debtor's certification regarding the debtor's right to receive an inheritance from father's estate. Add to confirming order non-exempt proceeds from father's estate to Trustee.
- There is non-exempt equity in the residence $79,362.

2. Towd Point Mtg (CORY WOERNER) obj to plan not paying arrears and loan mod must be done no longer than 90 days from filing, not 6 month. Must resolve obj.

Prop Plan $583 x 60 begin 7/1/25; 100% and Loan mod on Bow St 6 months after conf
Note: State of NJ claim amended no longer estimated. Debtor Cert of non-filing 2023/2024 Tax returns and homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
11612/3/2025 10:00 am25-16786 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $198.00
ISSUES AS OF 10/14/2025 (DM):

1) State of NJ filed $6,849.09 priority claim that includes estimated taxes for 2022 - 2024 (UNRESOLVED.)

2) State of NJ filed $1,559.01 secured claim not treated in the plan (OKAY TO PAY??)

3) DSO Recipient (Ann Lindquist) filed $134,935.70 amended priority claim - plan proposes treatment outside the plan. Debtor should obtain a consent order with creditor (UNRESOLVED.)

4) Cavalry SPV filed $7,260.42 secured judgment not treated in the plan (OKAY TO PAY??)

***RESOLVED ISSUES***

A) Sun West Mortgage (POWERS) OBJs - $1,222.23 arrears on Stokes Rd property (CONSENT ORDER ENTERED.)

B) Trustee OBJ:
- Must provide DSO Info Form and Court order (RECEIVED.)
- Bank of America and NJLPSCU statements provided.
- IRS claim amended and no longer estimated.


Prop. Plan $200 x 18, $1,000 x 18; Base Plan
PTD 4/4 = $801.99
Last Claim (16-1)
Email InquiryMatter ResolvedRequest
Adjournment
11712/3/2025 10:00 am25-16926 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $253.00
AS OF 10/16/25 (SF)

1. Municipal Credit Union filed unsecured claim 28-1 so not sure if this should be a cram (The plan proposes to pay a secured claim)

2. State of NJ filed estimated unsecured claim 19-1 (NEED AMENDED CLAIM)

3. Trustee objection:

- Need Modified Plan that pays a base dividend to unsecured creditors.

- The debtor must provide updated proof of auto insurance for the 2017 Acura and the 2017 Dodge Ram. The policy provided has expired. (RECEIVED)

- There is $17,453 non-exempt equity in the residence.


Plan proposes $253 x 60 0% Plan
Payments: 3/4 Arrears: $253
Email InquiryMatter ResolvedRequest
Adjournment
12512/3/2025 10:00 am25-16951 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $2,300.00
issues as of 11/6/2025 (JMA)

1) Santander Bank (Gross McGinley LLP) objection to confirmation - NEED TO RESOLVE
- Secured creditor claim shows pre-petition arrears in the amount of $18,390.99
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The current Plan does not specify treatment of LVNV Funding judgment lien under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is currently $8,765 non-exempt equity in real estate.

proposed plan $2,300 paid to date, $2,500x58 begin 10/1/2025 base plan
paid in $4,800
arrrears $4,800
last claim 10-1
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-16958 / MEHAdrian J. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $977.00
Email InquiryMatter ResolvedRequest
Adjournment
15512/3/2025 10:00 am25-17073 / MEHDavid H. Lipow, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-17100 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $658.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-17165 / MEHMichael Nieschmidt, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
As of 9/11/25 (DS): Debtor atty requested adj 341 rescheduled to 11/13/25

As of 9/5/25 (DS): Debtor atty requested adj, 341 sched 10/30/25. Debtor atty must submit confirmation adj request
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-17206 / MEHThomas G. Egner, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
15712/3/2025 10:00 am25-17280 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 9/26/25 (SF)

1. Need supplemental objection due to 109(e) issues. Unsecured debt exceeds limit - $968,152 in guc claims

2. Objection filed by AmeriCredit/GM Financial (Craig) - Creditor is not treated in the plan and should be listed as unaffected - 2022 GMC Sierra. Poc has arrears of $854.04 which are not addressed in plan

3. Objection filed by AmeriCredit/GM Financial (Craig) - Creditor is not treated in the plan and should be listed as unaffected - 2021 Chev Express. Poc has arrears of $20 which is not addressed in plan.

4. Objection filed by AmeriCredit/GM Financial (Craig) - Creditor is not treated in the plan and should be listed as unaffected - 2021 GMC Medium Duty. Poc has arrears of $713.15 which are not addressed in plan

5. Objection filed by TD Bank (Kyle Eingorn) - proposed plan is insufficient to pay 100% to unsecured creditors

6. Ally Capital filed secured claim 13-1 with zero arrears which is not listed as unaffected in plan for 2020 Ram Promaster City Cargo Van

7. New American Funding filed arrears claim 14-1 in the amount of $3245.18 which is not addressed in plan (OK TO PAY?)

8. Trustee objection:

- The debtor has insufficient income. Verified income leaves monthly disposable income of -$1138.51. Debtor must sign up for e-wage.

- 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 childcare/education (spouse stays home)
$877/month car payment
The case is 100% and expenses will be allowed as long as case remains 100%.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $17,960.00 when determining disposable income.

- There is $84,582 in non exempt equity in the residence.

- There is $35,777 in non exempt equity in the time share.

- There is $430,000 in non exempt equity in the debtor's businesses.

- There is $73,387 in non exempt equity in the bank accounts and investm
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-17328 / MEHDavid Jerome Witherspoon, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 0 of 4 required payments   Arrears: $1,765.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-17658 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $7,824.00
Email InquiryMatter ResolvedRequest
Adjournment
12512/3/2025 10:00 am25-17661 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
UPDATED 10/22/2025 (JMA)
UPDATED 10/20/2025 (JMA)
issues as of 10/9/2025 (JMA)

1) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Stewart Legal Group) objection to confirmation - NEED TO RESOLVE
-anticipated arrearage in the amount of $196,198.67
2) Trustee objection to confirmation - NEED TO RESOLVE
- A copy of the last filed tax return - for 2024. NOT PROVIDED - RESOLVED, PROVIDED 2024 RETURN ADDED TO INCOME
- Must resolve creditor objection. NOT RESOVLED
- Need copy of property settlement agreement. RESOLVED, PROVIDED

proposed plan $350x36 base plan with loan mod on Serpentine Drive East by 2/1/2026
paid in $1,050
last claim 9-1

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, PROVIDED
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis - document provided as CMA was mortgage balance owed. RESOLVED, PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-17767 / MEHYakov Rudikh, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
13412/3/2025 10:00 am25-18084 / MEHStephen M. Goldberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $250.00
ISSUES AS 11/7/2025 (DM):

***Expenses must be addressed. Despite the large household size, there is $14k in combined expenses that need explanation***

1) Americredit/GM Financial (Eisenberg Gold) OBJs - plan incorrectly classifies the loan as a lease in regard to the 2020 Honda Civic (OTBS.)

2) Westlake filed a secured claim for 2021 Toyota Corolla not treated in the MP (TREAT AS SECURED UNAFFECTED??)

3) Ally Capital filed a secured claim for 2018 Chevy Suburban not treated in the plan (TREAT AS SECURED UNAFFECTED??)

4) Trustee will pay $950 arrears claim on Capital One Mtg and $465.82 arrears claim on Towd Point Mtg unless debtor moves against the claims.

 Note - per Atty, this is a household of 8 (dm)
 Note regarding 401k loans: add $937 in month 22 for one loan and $150 in month 42 for the other loan.

5) Trustee OBJ:
- Excessive Expenses:
$1,000 utilities
$750 cable/internet/phone
$950 personal care
$1,010 transportation
$800 entertainment
$699 & $213 & $345 car payments (cannot have 3 car payments)
$200 for brother
$500 for chapter 13 plan payment (is the spouse in her own bankruptcy?)
$200 pet food
Need proof of excessive expenses 10 days prior to confirmation (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need a statement for the debtor's 401k loan. Also need a statement for the spouse's 401k loan (RECEIVED.)
- Need a MP that removes cars and mortgages from Part 6 (REMOVED IN MP.)
- Atty fees in the plan and the Disclosure Statement do not agree. The disclosure statement states that $3,250 will NOT be paid through the plan. One of these must be amended. (ATTY DISCLOSURE AMENDED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $250 x 60, Base Plan
PTD 2/4 = $500
Last Claim (20-1)
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-18190 / MEHAndrew G. Greenberg, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 1 of 3 required payments   Arrears: $8,470.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-18190 / MEHAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $8,470.00
Email InquiryMatter ResolvedRequest
Adjournment
18012/3/2025 10:00 am25-18192 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/18/25 (SF) PLAN IS NOT FEASIBLE

1. Objection filed by Freedom Mortgage (Wilson) - failure to provide for arrears of $3,156.42

2. Objection filed by Harold Zuber (John Gagliardi) - failure to provide for secured claim in the amount of $1,680,000. which will exceed debt limit. Also debtors fail to disclose all disposable income.

Note: Debtor has 4 vehicles. 3 of the vehicles are not listed in the plan

3. Ally Capital filed arrears claim 9-1 in the amount of $9275.48 which is not addressed in plan for 2019 Chev Tahoe

4. Ally Bank filed arrears claim 10-1 in the amount of $4987.20 which is not addressed in plan for 2022 Chev Truck Silverado 3500

5. Ally Bank filed arrears claim 11-1 in the amount of $10,739.03 which is not addressed in plan for 2021 Chev Truck

6. 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) .

7. Trustee objection:

- Need Proof of 2 month's income - Need June and July pay stubs for co-debtor's job at Meridian Foundation.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,062 when determining disposable income.

- There is $216,138 in non-exempt equity in the residence (100% PLAN.)

- There is $435,000 non-exempt equity in Grove Road LLC business (owns property and manages rental income.)

- Need HUD-1/Settlement Statement from sale of vacant Lot in upstate New York. (A HUD WAS NOT PROVIDED. WE RECEIVED A STATEMENT OF SALE. DEBTOR RECEIVED $28,509.40 ON 7/29/2024 ) Need status of what the debtor did with the proceeds.



Plan proposes $500 x 60 100% Plan; Refinance by 8/1/26
Payments: 1/1

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Domestic Support Obligation information (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
13712/3/2025 10:00 am25-18222 / MEHAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
341 is scheduled

As of 10/16/25 (DS): 341 not held 10/9/25, no docs provided
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-18271 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/17/25 (SF)

Note: Auto insurance expired on 10/1/25. Need proof of current insurance. RECEIVED

1. Navy Federal Credit Union filed arrears claim $435.82 which is not addressed in plan (OK TO PAY?)

2. CrossCountry Mortgage filed arrears claim 20-1 in the amount of $2869.99 which is not addressed in plan (OK TO PAY?)

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

4. Trustee objection:

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

- The debtor must provide proof of auto insurance for the 2019 Harley Davidson.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$175 & $150/month for home maintenance/lawn care
$65/month for exterminator
$220/month for entertainment
Need proof of excessive expenses 10 days prior to confirmation.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $337 when determining disposable income.

- The debtor has failed to provide proof of service with respect to Plan Motion(s). Need proof of service on Fort Bragg FCU.

- The attorney's fees in the plan and the disclosure statement do not agree. The disclosure states that $2,600 will NOT be paid through the plan. One of these must be amended.

- Need to amend Sch I&J for rental property in North Carolina.


Plan proposes $675.38 x 60 Base
Payments: 2/2


RESOLVED:
- Verified income leaves monthly disposable income of $816. (Moot due to VA disability income)

Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-18420 / MEHEdward Hanratty, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-18588 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $2,500.00
AS OF 10/17/25 (SF) PLAN IS NOT FEASIBLE. UNSECURED DEBT TOTALS 1,375,896.96 109(E) ISSUE


1. Objection filed by Freedom Mortgage (Wilson) - failure to pay arrears of $3678.47

2. Objection filed by DeLage Landen Financial Services Inc. (Stark & Stark) - DLL is a creditor of debtor and Raptor Auto Transport which is a debtor in a pending chapter 11 case. There is a pending sale of collateral by Raptor.

--DLL adopts and incorporates by reference in the Trustee's Objection as far as the Plan provides for distributions to unsecured creditors in amounts less than would be received by under a chapter 7 case, as prohibited by 11 USC 1325(a)(4) [DI 18].

-- DLL is concerned about the inconsistent representations concerning the Collateral and numerous other vehicles which are reflected in the Debtor's schedules as being owned by him, when they are truly owned by Raptor.

-- It seems that the Debtor is playing fast and loose with this Court and the Chapter 13 Trustee. On the one hand, he notes that the closure of Raptor is imminent. Yet, the filings in Raptor's bankruptcy case reflect the Debtor's intention to reorganize and for the Debtor to continue his involvement, including through new value contributions.

-- Given the Debtor's inconsistent statements and misrepresentations, DLL is concerned that he is not being forthright with this Court and that his plan was not filed in good

3. IRS filed priority claim 1-2 in the amount of $64,527.44 which is not addressed in plan (MUST RESOLVE)

4. Acura Financial Services filed lease claim 2-1 which is not assumed in the plan

5. BMW Fiancial Services filed lease claim 9-1 with arrears of $30 which is not assumed in the plan

6. VW Credit Leasing filed lease claim 11-1 which is not assumed in the plan

7. Trustee objection:

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

- There is $367,328.56 non-exempt equity in house

- There is $202,933.85 non-exempt equity in business property

- The
Email InquiryMatter ResolvedRequest
Adjournment
14912/3/2025 10:00 am25-18618 / MEHAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,500.00
341 scheduled

AS OF 10/14/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $1,500
Email InquiryMatter ResolvedRequest
Adjournment
14312/3/2025 10:00 am25-18619 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
ADJ to 12/3 to recalculate based upon updated info on pension loans (dm)

ISSUES AS OF 11/7/25 (DM): email sent to Justin regarding numbers.

 10/20/25 (SF): Attorney just filed a certification in response to our calculations of the income. It appears to be incorrect as our calculations of debtor's pay stubs are lower. The increase is because the debtor's pension loan expired in October and the spouse's loan will expire in month 17. Also, debtor has additional costs for childcare that are not listed on Schedule J, and no proof has been provided.

 10/14/2025 (at): RECOMMEND $800 PAID TO DATE, $1,000 x 15 BEGINNING 11/1/2025, $1,500 x 43 BEGINNING 2/1/2027, BASE.
- Preserve non-exempt equity of $12,257 in personal property.
- Debtor's Atty must file a fee application within 7 days of confirmation.

1) Trustee OBJ:
- Need MP that increases trustee payment by $570 in month 17 when spouse's TPAF loan is paid off.
- Verified income leaves monthly disposable income of $1,060.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Excessive Expenses: $526 car insurance (per policy payment is $302.57/month), $1,200 spouse's debt payments (PROOF RECEIVED.)
- There is $12,257 non-exempt equity in the bank accounts (LANGUAGE ADDED.)
- Debtor's Atty must file a fee application within 7 days of confirmation (LANGUAGE ADDED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $400 x 60, Base Plan
PTD 3/3 = $1,200
Last Claim (8-1)
Email InquiryMatter ResolvedRequest
Adjournment
15212/3/2025 10:00 am25-18654 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
341 scheduled

issues as of 10/9/2025 (JMA)

1) 341 not held, scheduled for 11/6/2025
2) Need to request adjournment of confirmation hearing to allow 341 to be held.
Email InquiryMatter ResolvedRequest
Adjournment
15312/3/2025 10:00 am25-18698 / MEHAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 10/9/2025 (JMA)

1) 341 not held, not rescheduled
2) 341 documents not provided
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-18722 / MEHRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
HOMEOWNERS POLICY EXPIRED 10/5/2025 - NEED TO PROVIDE TRUSTEE WITH CURRENT POLICY
issues as of 10/9/2025 (JMA)

1) 341 not held, rescheduled for 11/6/2025
2) NewRez, LLC d/b/a Shellpoint Mortgage Servicing (Hill Wallack) objection to confirmation - need to resolve
- Estimated pre-petition arrears $1,100,158.30

proposed plan $500x60 with loan mod by 3/2026 100% plan
paid in $1,000
last claim 4-1
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-18964 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
341 now on 11/20/25
3/3 payments
Email InquiryMatter ResolvedRequest
Adjournment
15012/3/2025 10:00 am25-18992 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $800.00
issues as of 11/6/2025 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the homeowner's insurance renewal declaration - if not confirmed by 11/12/25, insurance expires 11/2/25.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Water/sewer/garbage $400, Food $2,000 and estimated future taxes $500. Must provide proof of expenses 10 days prior to confirmation. These will be allowed as long as the plan remains 100%.
- 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 $1,623. 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 $30,983.
Must file fee app within 7 days from confirming order.
- all non-exempt proceed form PI suit to Trustee

proposed plan $400x12 begin 9/1/2025, $738x48 100% plan n/e equity from workers comp and/or PI claim
paid in $400
arrears $800
last claim 15-1
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19070 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/17/25 (SF) Adj past bar date

1. Objection filed by Movant Valley Strong CU (Joshua Goldman) - failure to pay arrears of $16,883.97 (RESOLVED VIA ORDER - PAY ARREARS) No claim filed yet

2. Objection filed by Citigroup Mortgage (RAS) - failure to pay arrears of $85,202.35 and speculative loan mod

3. Loss mit order expires 1/7/26

4. Trustee objection:

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

- Need a statement for the second mortgage showing monthly payment amount.

- There is $48,010.00 in non exempt equity in the residence.

- There is $1,877 in non exempt equity in the bank accounts.

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

- Need statements for the Acorn account.

- Student loans will be paid outside of the plan


Plan proposes $400 x 6; $1400 x 54 BASE PLAN; LOAN MOD BY 2/28/26
Payments: 2/2

RESOLVED:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$2,083/month for mortgage payment (per statement the monthly payment is $1,879.27) (OK)
- Need statements for Robinhood accounts (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
15712/3/2025 10:00 am25-19225 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $500.00
AS OF 11/6/25 (SF)

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

2. State of NJ filed estimated priority claim 24-1 (NEED AMENDED CLAIM)

3. BMW Financial Services filed lease arrears claim 8-1 in the amount of $3184 which is not addressed in plan (OK TO PAY?)

4. 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:
- Sched J has excessive expenses: Clothing $150, Cell phone $200, Car payment $1,077
(Debtor is in arrears $3,184, 3 car payments) and Storage $161. Must provide proof of
expenses 10 days prior to confirmation.

- 22C-Line 10 is adding $797 to rent Sched J has $2,875, must require proof of rent, Line 30
Additional food/clothing $30, Line 35 priority claims pending estimated IRS and State of NJ
tax claims filed and Line 46 Change in income deducts $1,500 for tax withholdings, but no
pay stubs were provided with new deductions, pending pay stubs for Sept & Oct. Line 45
adding back $30 has disposable income $394.91 and would have more pending the docs for
Line 10, 35 and 46.

- 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 $2,839 and more pending proof of expenses and updated proof of
income.

- Must provide proof of rent expense such as lease to determine if 22C expense on Line 10 $797 is acceptable.

- Must resolve IRS estimated tax claim, 2022-2024 tax return not filed.

- BMW filed arrears claim for $3,184.

- Must file fee app within 7 days from confirming order.

Plan proposes $1000 x 12; $1600 x 48 Base Plan
Payments: 1/2 Arrears: $1000


RESOLVED:
- Need Proof of 2 month's income - for the month of Sept and Oct 2025 to determine disposable income with federal deductions
Email InquiryMatter ResolvedRequest
Adjournment
15812/3/2025 10:00 am25-19236 / MEHPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $250.00
AS of 11/10/25(mk):uPDATED


1. Trustee Objection:
- as of now-there is non-exempt equity in the residence $97,879. PLAN NEDS TO BE 100%. BAR DATE 11/12/25
-Disposable income verifies $711.
must file pre conf cert


Plan:$250 x 36 begin 10/1/25; $736 x 24; Base
1/2 payment
BAR DATE 11/12/25

---------------RESOLVED------------
401(k) info provided








Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19497 / MEHErik Frins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 1 of 2 required payments   Arrears: $700.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19498 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19577 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19597 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $352.00
11/3/2025 (JMA) debtor requests adjournment to allow 341 to be held,
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19602 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,142.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19671 / MEHMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,253.00
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
17312/3/2025 10:00 am25-19677 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $500.00
AS OF 11/6/25 (SF)


1. Objection filed by Cardinal Financial Co (Kimberly Wilson) - failure to pay arrears of $56,768.88 and speculative loan mod (MUST RESOLVE)

2. Trustee objection:

- The debtor has insufficient income.

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

- Need a copy of the last filed tax return - 2024 (RECEIVED. NET REFUND IS $1948/12=$162.33



Plan proposes $100 x 1; $500 x 35 Base; Loan Mod by 4/30/26
Payments: 1/2 Arrears: $500

Email InquiryMatter ResolvedRequest
Adjournment
17412/3/2025 10:00 am25-19716 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,200.00
AS of 11/4/25(mk):

>>PLAN IS 100% NEEDS TO BE ADJ TO AFTER THE BAR DATE OF 11/26/25



1. Objection by Select portfolio(RAS):
-plan fails to pay full arrears of $70,894.01

2.Trustee objection:
-Income verifies higher than scheduled amount. Disposable net income $1,694.
- The is $105,826.00 non-exempt equity in house (100% PLAN)


Plan: $1200 X 60; 100%
1/2 payments
Email InquiryMatter ResolvedRequest
Adjournment
17712/3/2025 10:00 am25-19821 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 11/7/25 (DS): Debtor atty requested adj to allow time to resolve obj

As of 11/6/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$327. Debtor will need E-Wage. NO NOV. TRUSTEE PAYMENT MADE.
- Need debtor's certification as to the 2006 Nissan being not drivable, no auto insurance.
- American Honda filed arrears claim for $489.84. Trustee ok to pay?
- Must file Pre-confirmation certification.

Prop Plan $150 x 60 begin 10/1/25; Base
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19838 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19852 / MEHJeremias E Batista, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,656.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19855 / MEHDonald C. Goins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,264.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19945 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19953 / MEHAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-19994 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20061 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $280.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20080 / MEHThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,870.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20108 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $965.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20122 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,506.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20178 / MEHJeffrey H. Ward, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $491.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20178 / MEHJeffrey H. Ward, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $491.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20222 / MEHScott E. Tanne, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20272 / MEHJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20290 / MEHRobert J. Pompliano, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20298 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20325 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20329 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20336 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledContinued
1/14/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
11/10/25 Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20351 / MEHScott E. Kaplan, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20355 / MEHEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20374 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20391 / MEHRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20435 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20446 / MEHRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20474 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $508.00
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20536 / MEHDennis M. Mahoney, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 10:00 am25-20635 / MEHJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm22-17311 / MEHDavid G. Beslow, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm23-13278 / MEHWarren Brumel, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm23-13962 / MEHKarina Pia Lucid, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm23-18445 / MEHRussell L. Low, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm25-10550 / MEHHerbert B. Raymond, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm25-12537 / MEHRobert Manchel, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm25-13993 / MEHEdward Hanratty, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm25-13993 / MEHEdward Hanratty, Esq.Motion CompensationMootAMT: FILED IN WRONG CASE
Email InquiryMatter ResolvedRequest
Adjournment
012/3/2025 2:00 pm25-17780 / MEHMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes