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IN RE FERNANDEZ

No. 08-29209.

412 B.R. 684 (2009)

Re: Jack J. FERNANDEZ.

United States Bankruptcy Court, D. New Jersey.

May 15, 2009.

Attorney(s) appearing for the Case

Albert Russo, Esquire, Standing Chapter 13 Trustee, Trenton, NJ.

Marc C. Capone, Esquire, Capone & Keefe, Spring Lake Heights, NJ.

Alan R. Ostrowitz, Esquire, Ostrowitz & Ostrowitz, Manalapan, NJ.

KATHRYN C. FERGUSON, Bankruptcy Judge.

Dear Counsel:

This matter was scheduled for confirmation on April 8, 2009. Commerce Bank, NA, now known as TD Bank, filed an objection to confirmation and the parties requested that the objection be decided on the papers. The confirmation has been adjourned until May 27, 2009. The following is the Court's opinion resolving TD Bank's objection.

In Schedule D of the Debtor...

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