| Payee | Amount | Frequency | Due | Paid from | Autopay | Portal / notes |
|---|---|---|---|---|---|---|
| Sun East FCU #0021474572⚠ no payment seen 1434 Kater St, Philadelphia PLaw x4053verified | $4,388.48 | Monthly | 1st (posts 1st or last biz day — x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — drafts as “Midwest Loan Ser” (Sun East’s subservicer) | Sun East FCU / Midwest Loan Services 3.75%, bal ~$697K. P&I only — taxes/insurance NOT escrowed. IDENTIFIED 7/23/26: the x4053 “Midwest Loan Ser” $4,388.48 autopay IS this mortgage (all 19 statements Dec ’24–Jun ’26). |
| Truist HELOC #92820600675998⚠ no payment seen Kater St HELOC due day?autopay?paid from?verify | $2,000.00 | Monthly | TBD — bal $133,179.24 (verified 7/21) | UNKNOWN | UNKNOWN | Truist ✅ logged in 7/21 7.74%. Capture due date/autopay from portal. |
| Truist Mortgage #6925331137⚠ no payment seen 1305 E Shore Dr, Brigantine NJ autopay?PLaw x4053verified | $3,086.45 (verified; ledger $3,077.48) | Monthly | Aug 01 (verified 7/21) | PLaw PC x4053 (Tom’s S-corp) | UNKNOWN | Truist 3.75%, bal $448,437.51 (verified 7/21). TOM RULING 7/25/26: this is Tom’s PERSONAL debt — NEVER paid from joint x7224; pay only from Tom’s own account. |
| Wells Fargo #1313358678⏳ due soon 2024 Tesla Model X PLaw x4053verified | $1,741.72 | Monthly | 20th–22nd (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — ACH draft | Wells Fargo 6.29%, bal ~$95.9K. (WF x8150 $1,436.32 ended — last draft 7/29/25.) |
| Chase Auto #12521318435303⚠ no payment seen 2026 Tesla Model X PLaw x4053verified | $1,566.33 | Monthly | 1st–4th (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — recurring ext transfer | Chase 6.52%, bal ~$104.4K. First draft 10/2/25; prior Tesla loan (WF x8150) last drafted 7/29/25 — trade was ~Aug ’25. |
| Chase Auto #12311620113008⚠ no payment seen 2023 Rivian R1S PLaw x4053verified | $1,394.23 | Monthly | 17th–19th (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — recurring ext transfer | Chase 6.39% |
| BMO / Bank of the West #241426459⚠ no payment seen 2014 Grady White Freedom 275 PLaw x4053verify | $911.01 | Monthly | 3rd (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | 🔴 STILL ON — CANCEL: boat sold/lien paid 7/22/26, was still drafting 6/3/26; kill before ~8/3 draft | BMO Boat SOLD, lien paid 7/22/26. Cancel autopay + reconcile the likely 7/3 draft in payoff. |
| Fifth Third #08001137488⚠ no payment seen Seadoo Wake Pro 230 PLaw x4053verified | $364.20 | Monthly | 4th (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — Web-Recur | 5/3 Bank Bal ~$4.5K — nearly paid off |
| Morgan Stanley⚠ no payment seen UNKNOWN (loan/LOC) — IDENTIFY autopay?PLaw x4053verify | $2,000.00 | Monthly | 3rd (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — ACH debit | Morgan Stanley Not on Loans tab — identify. MS acct ref …0461→…8371 (Apr ’25). Every month Dec ’24–Jun ’26. |
| AES / PHEAA #1597791551 Tom student loans PLaw x4053verified | $750.00 | Monthly | Last business day of month (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — recurring billpay | AES (1P has aessuccess.org login) $750 flat, all 19 statements Dec ’24–Jun ’26. |
| Parents debt (family loan)⚠ no payment seen Family — attributed to 1551 N Flagler (Tom 7/22) PLaw x4053 | $2,166.67 | Monthly | ~2nd week (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | NO — manual: checks thru Feb ’26, Zelle to Kathleen Petrelli since 5/18/26 ($1,000+$1,000+$166.67) | — LAST payment May 2027 — ~10 left. ⚠ No Mar/Apr ’26 payment visible in x4053 — confirm not missed. |
| Payee | Amount | Frequency | Due | Paid from | Autopay | Portal / notes |
|---|---|---|---|---|---|---|
| Liberty Mutual — Auto (AOS28823431375) 2024 Tesla Model + 2018 Jeep Wrangler + 2023 Rivian R1S EV verified | $7,788/yr | Annual term 6/30/26–6/30/27 | Next bill ready 12/28/26 | Manual billing — x6007 saved but not linked | NO — portal shows Manual | Liberty Mutual ✅ verified 7/23/26 VERIFIED LIVE 7/23: named insureds Tom + Alison. x6007 is saved in wallet (exp 09/30) but NOT linked to autopay. Remaining premium $7,788; next bill 12/28/26. |
| Liberty Mutual — Kater St HO (H3V28156199870) 1434 Kater St verified | $8,998/yr | Annual 6/28/26–6/28/27 | ✅ PAID 7/21/26 (conf 585143549, AMEX *7002) | AMEX *7002 | NO — manual; TODO enroll autopay for next year | Liberty Mutual ✅ verified 7/21 Kater loan has NO escrow — paid directly. |
| Liberty Mutual — Umbrella (LJ128104337740) Umbrella verified | $1,643/yr | Annual 6/28/26–6/28/27 | Paid in full 6/29/26 | AMEX *7002 | — | Liberty Mutual ✅ verified 7/21 |
| Johnson & Johnson / Wiser Agency 1305 E Shore Dr HO (Brigantine) autopay?paid from? | $2,318.90/yr | Annual | ~Oct 29 renewal | UNKNOWN | UNKNOWN | jjins.com / GloveBox (agent help@wiseragency.com) |
| Neptune Flood (ASR3231883) 1305 E Shore Dr flood autopay?paid from? | $2,788.40/yr | Annual | ~Sep 18 renewal | UNKNOWN | UNKNOWN | neptuneflood.com |
| Progressive Auto (861594806) 2026 Tesla Model X verified | $5,157 / 6-mo | 6-month term 2/16/26–8/16/26 | Renews 8/16/26 | Progressive portal | verify billing method | Progressive ✅ verified 7/23/26 Only vehicle is 2026 Tesla Model X (VIN ending 75145). Alison Whitehill-Petrelli and Natasha Bailey are EXCLUDED drivers — no coverage. |
| Progressive — boats/watercraft (946135298) 2021 Grady White 335 Freedom + 2021 Seadoo Wake Pro 230 verified | $659.53/yr | Annual | renews Feb 4 (2/4/26–2/4/27) | verify — not x4053 | verify | Progressive (1P login, verified 7/23/26) VERIFIED 7/23/26: policy 946135298 = 335 + Seadoo only. 2014 Grady 275 (SOLD 7/22) REMOVED by Tom 7/23/26; premium dropped $3,132.01 → $659.53 (–$2,472.48/yr) + pro-rata refund on unused term expected. "Helsman" was same policy. |
| Equitable Financial (569 315 591) Alison Whitehill life PLaw x4053verify | $775.00/mo (“Ins. Efa …5591”) | Monthly (x4053 observed since 2/20/25) | ~16th | PLaw PC x4053 (Tom’s S-corp) | YES — ACH | Agent: Michael Chiappinelli Sheet said $1,469/YR but x4053 drafts $775/MO ($9,300/yr) since Feb ’25 — verify: premium restructure vs policy-loan repayment (one-time “Mloa 569315591” $1,583 on 12/20/24). |
| Equitable Financial (114 324 712) Tom life PLaw x4053verified | $191.13 | Monthly | ~11th (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — “Ins. Equitable …4712” ACH | Agent: Michael Chiappinelli IDENTIFIED 7/23/26: x4053 ref …4712 = this policy. All 19 statements. |
| MetLife (…2860) — IDENTIFY policy⏳ due soon Unknown — likely life/LTD PLaw x4053verify | $577.84 | Monthly | ~24th (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — ACH (Feb ’26 paid by paper check) | MetLife NEW 7/23/26 from x4053 — on no sheet anywhere. All 19 statements Dec ’24–Jun ’26. |
| Trionfo Premiums — IDENTIFY policy Unknown — insurance/benefits admin PLaw x4053verify | $179.98 | Monthly | ~26th (x4053 observed) | PLaw PC x4053 (Tom’s S-corp) | YES — ACH | Trionfo NEW 7/23/26 from x4053 — since Jan ’25 (first drafts $719.92/$359.96 catch-ups). |
| State Farm (78-BH-Q550-3 F)⏳ due soon Personal articles (rings) autopay?paid from? | $357/yr | Annual | ~Feb 5 renewal | UNKNOWN | UNKNOWN | Agent: Judd Greenberg |
| Payee | Amount | Frequency | Due | Paid from | Autopay | Portal / notes |
|---|---|---|---|---|---|---|
| Vehicle/vessel registrations 2 boats, 2 trailers, Seadoo, 3–4 vehicles paid from? | ~$50–100 each | Annual | Nov 25 ’26 cluster (most expire 11/25/2026) | UNKNOWN | NO | FL DMV / PennDOT 2020 Tesla PA reg moot — traded in. |
| Springfield Township / County RE taxes Wyndmoor (Parcel 520011902007) verify | Likely escrowed via Planet Home | — | — | Escrow | — | County One direct $877.40 payment Jun ’24 — verify nothing owed outside escrow |