In re: Case No. 10-10697-BTB FLORENTINO GARCIA ANGELINA GARCIA Debtor(s) CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT AND ACCOUNT Kathleen A. Leavitt, chapter 13 trustee, submits the following Final Report and Account of the administration of the estate pursuant to 11 U.S.C. § 1302(b)(l). The trustee declares as follows: 1) The case was filed on 01/18/2010. 2) The plan was confirmed on 06/03/20 10. 3) The plan was modified by order after confirmation pursuant to 11 U.S.C. § 1329 on 08/09/20 14, 09/16/20 14.

eary Jordan 502 Carnegie Center Princeton, NJ 08540 Tel: (609) 919-6676 Fax: (609) 919-6701 -and- Jason R. Scherr (admitted pro hac vice) Patrick A. Harvey (admitted pro hac vice) 2020 K Street NW Washington, DC 20006 Tel: (202) 373-6000 Fax: (202) 373-6001 Attorneys for Defendant Saxon Mortgage Services, Inc. Case 2:15-cv-06062-JLL-JAD Document 47 Filed 12/05/16 Page 20 of 20 PageID: 994 Case 2:15-cv-06062-JLL-JAD Document 47-1 Filed 12/05/16 Page 1 of 2 PageID: 995 Case 2:15-cv-06062-JLL-JAD Document 47-1 Filed 12/05/16 Page 2 of 2 PageID: 996 EXHIBIT T Case 2:15-cv-06062-JLL-JAD Document 47-2 Filed 12/05/16 Page 1 of 4 PageID: 997 UNITED STATES BANKRUPTCY COURT DISTRICT OF NEW JERSEY In re: TAMMY RIZZOLO DANISE Debtor(s) Case No. 10-41224 CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT AND ACCOUNT Marie-Ann Greenberg, Chapter 13 Trustee, submits the following Final Report and Account of the administration of the estate pursuant to 11 U.S.C. § 1302(b)(1). The trustee declares as follows: 1) The case was filed on 10/07/2010.

As the Eleventh Circuit noted in Crawford, “[t]he Bankruptcy Code provides a trustee in every Chapter 13 proceeding.” Crawford, 758 F.3d at 1253 n.5 (citing 11 U.S.C. § 1302(a)). By statute, the trustee is required “(among other duties) to appear at hearings, to advise the debtor in nonlegal matters, to ensure the debtor makes timely payments, and, . . . ‘to examine proofs of claims and object to the allowance of any claim that is improper.”

Without schedules, the trustee is unable to fulfill the duties required by the Bankruptcy Code, including potentially opposing dismissal of the case. 11 U.S.C. § 1302(b); In re Warren, 568 F.3d 1113, 1119 (9th Cir. 2009). “Where a debtor files successive petitions and obtains successive stays without full disclosure of all assets, the debtor derives an unfair advantage if he can later recover on undisclosed claims, and the bankruptcy system is laid bare for abuse.”