Professional Documents
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Williamstown/Collings Lake
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CEL
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856-740-3300
Personal Training Aerobics Day Care
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NO MONEY DOWN
1 Month 3 Months 6 Months 1 Year
SENIOR
FITNESS CLASSES
Each Week: Mon., Wed., Fri.
Mon-Fri 5:30am to 10pm Sat-Sun 6am to 5pm
ZUMBA CLASSES
We are Celebrating our 10th year! Come see why we are becoming Williamstowns favorite Fitness Center. A clean, friendly atmosphere makes getting fit fun and enjoyable for men and women.
erned u conc ing? Are yo r hear ut you short abo is Take th age 4. np quiz o
856-629-0776
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Milano Pizza 856-629-1095 856-629-1093
Must mention coupon when ordering. Not to be combined with other offers or other discounts.
12.29
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2 large pizzas
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Must mention coupon when ordering. Not to be combined with other offers or other discounts.
22.99
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Cherry Tree Crossing Shopping Center 475 Hurffville-Crosskeys Road Sewell, NJ 08080
(856) 589-4400
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website: www.bubbysjewishdeli.com
If you answer Yes to some of these questions, you could have hearing loss!
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856-629-0776
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Only in Williamstown
200 N. Black Horse Pike, Williamstown, NJ 08094
HOURS: MON.-FRI. 9am-5pm and Evenings Call for Appointment Jurgen Moore, New Jersey Supervising License #961
Sale features Shine hearing aids by Unitron
S
Sicklerville Rd.
Geets Diner
12 Months 0% Interest
Financing Available
(Ask for details) Ends 2/1/12
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See Our Menu at www.ThaiChili88.com Entrees
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(856) 423-6069
401 Harmony Rd. (Next to Shop Rite) Gibbstown, NJ 08027
(856) 582-6303
415 Egg Harbor Rd. (Next to Acme) Sewell, NJ 08080
(856) 589-4466
Delsea Dr. & Heston Rd. (Next to Pep Boys) Glassboro, NJ 08028
10
ADVERTISEMENT
What is Bankruptcy? A person may be in a financial situation caused by a health condition, loss of a job or some other type of circumstance which affects their ability to pay their bills. Many people will seek help from friends and family. Many will read about Debt Management and working with creditors to regain control of their financial situation. Some have heard about Bankruptcy and want to have an understanding of how that procedure works. The Bankruptcy laws were designed to repay creditors in an orderly manner to the extent the Debtor has assets available for payment. For most consumers, there are two types of bankruptcies. These are referred to by their chapters -Chapter 7 and Chapter 13. To better understand the two Chapters, one must first have an understanding of the different classes of creditors. Secured creditors include mortgage companies, car lenders and sometimes the IRS. Unsecured creditors include a loan with no collateral such as a credit card lender. Chapter 7 bankruptcy is known as liquidation. In 2005, Congress amended the bankruptcy laws. One of the major changes was the creation of the means test to prevent wealthy debtors from abusing the bankruptcy laws. The means test is based on household size and income as compared to the state's median income. A person who does not qualify under the means test to file Chapter 7 may have to consider Chapter 13. Assuming a person qualifies for Chapter 7 and is represented by an attorney, their attorney will ask them to list all their assets and all their debt. A person cannot pick and choose what they wish to disclose they must disclose everything they own and everyone they owe money to. In most instances, the biggest asset is the home. The attorney will obtain an appraisal or a Comparative Market Analysis of the home to determine its value. The attorney will then perform a liquidation analysis of the home by deducting the mortgage payoffs and the value of any unpaid real estate tax liens from the value of the home. Then, he or she will apply the current Federal Exemption against any remaining net equity. In 2009, under 11 U.S.C. 522(d)(1), a husband and wife who are both named on the Deed can exempt up to $40,400 of net equity. This same analysis is then made for each asset a Debtor owns and a similar exemption, if
available, is applied to save that asset. If there are any assets which are not exempt, the attorney will explain how such non-exempt assets will be treated in a Chapter 7. Based on the results, the attorney may advise the Debtor to file a 13. If a 7 is completed successfully, the Debtor will receive a discharge of all unsecured debt. What if the Debtor is behind on their mortgage and a foreclosure is either pending or on the horizon? If the Debtor is unable to work out a modification of their loan or any type of agreement with their mortgage company, they cannot file a 7 and still keep their home. The Debtor then looks to Chapter 13, often referred to as Repayment. Under this Chapter, the Attorney will review the Debtors income and expense budgets to prepare a Chapter 13 Plan which will then be proposed to the Court for repayment to creditors. In the mortgage example, a Chapter 13 Plan will propose repayment of the Debtors mortgage and possibly a certain percentage to their unsecured creditors. Based on each Debtors particular facts, a Plan might propose repayment to secured creditors only with little or no dividends to unsecured creditors. The Chapter 13 Plan will be anywhere from 3 years to 5 years, depending on each Debtors particular situation, with monthly payments made to the Chapter 13 Trustee. At the end of that period, if the Debtor has successfully completed their Plan, they will receive a discharge. Regardless of what Chapter a Debtor has filed, the decision to file bankruptcy is a serious choice. It is a remedy that may affect their credit and may affect their ability to use the bankruptcy code at a future time. A person who has considered a bankruptcy should be sure to discuss the advantages and disadvantages of bankruptcy with his or her attorney. ABOUT THE AUTHOR: William A. Nash, Esquire, is licensed to practice law in the State of New Jersey. His office is located at 1001 Melrose Avenue, Suite A, Blackwood, New Jersey. Mr. Nash graduated from Rutgers University with Highest Honors and received his Juris Doctorate from Villanova University School of Law. He served as a Judicial Law Clerk at the New Jersey Superior Court in Gloucester County. He is the managing partner of Nash Law Firm, LLC, in Blackwood, New Jersey. More information about Mr. Nash is available at www.thenashlawfirm.com. Mr. Nash can be reached via telephone at (856) 228-2206 or via email at wnash@thenashlawfirm.com Copyright 2009 Nash Law Firm LLC.
L OOK
FOR A
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WILLIAMSTOWN CAR WASH, DETAIL & LUBE CENTER Black Horse Pike & Route 322
Located Across From Geets Diner & Walgreens
Mon-Sat 8-6 Sun 8-4 Williamstown Location LUBE HOURS Mon-Fri 9-5 Sat 8-5 Sun 8-4
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49 S. Black Horse Pike Williamstown, NJ 08094
Fax: 856-728-1430
Mon. through Fri. 8am-6pm Sat. 8am-5pm Sun. 9am-2pm
Show Your Card and Receive A Discount
OPEN 7 DAYS
Geets Diner
Williamstown/Sicklerville Rd.
856-728-3200
14
RESPECT
28 Year Anniversary
Black Horse Pike Williamstown www.Garaguso-Karate.com
6 Weeks $129
includes FREE Uniform & FREE T-shirt
Expires 2/15/12
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Jiu Jitsu/MMA
I started out with the Jiu Jitsu Program not really knowing what to expect. I was amazed at how easy it was to pick up the moves. A lot of the moves are great for self-defense in the real world as well. At Garaguso Karate, you get a great work out too that is ten times better than going to a gym!. George Hutchinson
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Listen to Attorney Seymour LIVE on the Radio Bankruptcy University, Every Thursday Night from 8-9pm on 92.1FM
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Expiration: February 15, 2012
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Experience first hand what its like to be a real rock n roll musician!
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Visit www.rockuniversity.org for more information
Pre-school & Young Child Music Lessons for Ages 18 Months Thru 7 Years
CHOIR PROGRAM
Students learn music in the same manner they are taught letters, numbers, colors, shapes, etc. Our musical crafts lessons teach children Music Theory in a fun, artistic way.
Visit www.musicfuntime.org for more information or give us a call.
SPECIAL OFFER
Sign up by January 30th and receive up to 50% off any of our music services for one month.
Private lessons Reg $98 (4 Lessons) special $49 Rock U First month $50 Reg $83 per month for students enrolled in private lessons. $115 per month for students just enrolled in Rock U program. Choir Program Reg $60 per month Special $30 Music Funtime Reg $165 (8 weeks) Special $90
This is for new students only and can not be combined with other offers. Must sign up by January 30th.
(856) 228-0003
West Deptford Rt. 45 Southwood Shop Ctr.
(856) 853-1580
Swedesboro Beckett Village Center (Acme Shopping Ctr., Logan Twp.)
(856) 467-5060
VISIT US AT www.OldTowneMusic.com FOR OUR LESSON COMPARISON CHECK LIST AND MERCHANDISE.
24
856-881-6891
Washington Township, NJ www.textrodoor.com
Installed
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Frac Sand Haulers with complete rigs only. Tons of Runs in warm, flat, friendly and prosperous Texas! Great company, pay and working conditions. 817-769-7621 817-769-7713
ART DIRECTOR ASSOCIATE PUBLISHER Diane Marston Georgianne Becker SALES MANAGER Jim Pearce ACCOUNT EXECUTIVE Brad Kauffman
Neither the publisher nor the advertisers are liable for typographical errors, misinformation, etc. unintentionally contained herein. All materials become the property of the Todays Shopper LLC. Reproduction of matter contained herein is strictly forbidden without written permission. All contest prizes subPublished Bi-Weekly ject to change based on availability.
Business Opportunity
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ARTICLES FOR SALE
Visit Todays Shopper website and browse the classified items for sale and Business services that are not in print. Sell your stuff FREE on our website, place ads in print and more. Its Easy: www.todaysshopper.net. Mattress & Boxspring queen size. Sealy Posture premiere. Exc. Cond. $125 Call 856-366-6949
NATIONAL ADS
Adoption
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Financial or Legal
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Financial Services
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Miscellaneous
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Auto Donations
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AUTO
2007 Mercedes Benz E350 4matic. Under Mercedes Warranty. Fully loaded includes GPS and Bluetooth. White Ext. Tan int.. Ex. Cond Asking $26,000. Only 45,000 miles. Call Giovanni. 856-366-9038 FREE BUSINESS ADS Place ads ON Todays Shopper LOCAL COMMUNITY WEBSITEFREE- available to every business. Also place ads in print in this paper and reach over 81,000 homes and businesses. Log on to: www.todaysshopper.net, to place a free online or paid print ad. Please do not call to place a free ad online. You must go online. Or call 856-228-9852 to place a paid print ad.
Misc.
**OLD GUITARS WANTED!** Fender, Gibson, Martin, Gretsch, Prairie State, Euphonon, Larson, DAngelico, Stromberg, Rickenbacker, and Mosrite. Gibson Mandolins/Banjos. 1930s thru 1970s TOP CASH PAID! 1-800-401-0440
Financial Services
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Auto Donations
CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! Were Local! 7 Days/Week. Call Toll Free: 1-888-416-2330
Miscellaneous
AIRLINES ARE HIRING Train for high paying Aviation Maintenance Career. FAA approved program. Financial aid if qualified Housing available. CALL Aviation Institute of Maintenance (888) 686-1704
Auto Donations
DONATE A CAR - HELP CHILDREN FIGHTING DIABETES. Fast, Free Towing. Call 7 days/week. Nonrunners OK. Tax Deductible. Call Juvenile Diabetes Research Foundation 1-800-578-0408
Miscellaneous
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Auto Donations
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Help Wanted
** ABLE TO TRAVEL ** Hiring 10 people, Work- travel all states, resort areas. No experience. Paid training / Transportation provided. 18+ 1-888-853-8411 www.protekchemical.com
CHILDREN SERVICES
Child Care/Before and After School Childcare in my Williamstown home. Safe and Friendly environment. 856-237-6281
Miscellaneous
ATTEND COLLEGE ONLINE from Home. *Medical, *Business, *Paralegal, *Accounting, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. Call 800-510-0784 www.CenturaOnline.com
ROOMMATE WANTED
Looking for Feamale over 50 to share house. Must be clean. Must love cats. Call 856-761-2835
Auto Donations
Donate Your Car! Civilian Veterans & Soldiers Help Support Our U.S. Military Troops 100% Volunteer Free same Day Towing. Tax Deductible. Call and Donate Today! 1-800-471-0538
Help Wanted
Mystery Shoppers Needed Earn up to $150 per day Undercover Shoppers Needed to Judge Retail & Dining Establishments Experience Not Required Call Now 888-380-3513
www.todaysshopper.net
Miscellaneous
GET YOUR DEGREE ONLINE *Medical, *Business, *Paralegal, *Accounting, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. Call 800-510-0784 www.CenturaOnline.com
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Wanted To Buy
WANTED DIABETIC TEST STRIPS. ANY KIND / BRAND. UP TO $22.00 / Box. SHIPPING PAID. HABLAMO E S PA N O L . 1 - 8 0 0 - 2 6 6 - 0 7 0 2 www.SellDiabeticstrips.com
Business Opportunity
NOW HIRING: Employees needed to assemble products at home. No selling, any hours. $500 weekly potential. Info. 1-985-646-1700 Dept. MAC-6811
Miscellaneous
WORK ON JET ENGINES Train for hands on Aviation Maintenance Career. FAA approved program. Financial aid if qualified Job placement assistance. Call AIM (866) 854-6156.
REGIONAL ADS
Announcements
ATTENTION Diabetics with Medicare Join America`s Diabetic Savings Club and receive a FREE diabetic bracelet. Membership is FREE. Qualify for meter upgrades, prescription delivery and free giveaways. Call 1-888-474-3420
Miscellaneous
HANDS ON CAREER Train for a high paying Aviation Maintenance Career. FAA approved program. Financial aid if qualified Job placement assistance. Call AIM today (866)854-6156.
Money To Lend
LAWSUIT CASH Auto Accident? All cases qualify! Get CASH before your case settles! Fast Approval. Low Fees. (866) 709-1100 www.glofin.com
Miscellaneous
Reach over 28 million homes with one ad buy! Only $2,795 per week! For more information, contact this publication or go to www.naninetwork.com
AUTO DONATIONS
DONATE YOUR CAR to USO and HELP SUPPORT AMERICAS TROOPS. Tax Deductible. Next Day Towing. Receive Vacation Voucher. Call 1-888-444-8308.
Motorcycles/Wanted to Buy
WANTED JAPANEESE MOTORCYCLE KAWASAKI 1967-1980 Z1-900, KZ900, KZ1000, ZIR, KZ1000MKII, W1-650, H1-500, H2-750, S1-250, S2-350, S3-400 Suzuki GS400, GT380, CB750 (69.70) CASH PAID. 1-800-772-1142, 1-310-721-0726 usa@classicrunners.com
Financial Service
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Miscellaneous
Bundle & Save on your CABLE, INTERNET PHONE, AND MORE. High Speed Internet starting at less than $20/mo. CALL NOW! 800-314-9361
AUTO DONATIONS
DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. 888-475-1825
HEALTH/MISCELLANEOUS
ATTENTION SLEEP APNEA SUFFERERS with Medicare. Get FREE CPAP Replacement Supplies at NO COST, plus FREE home delivery! Best of all, prevent red skin sores and bacterial infection! Call 888-440-8352
Miscellaneous
CASH FOR CARS: All Cars/Trucks Wanted. Running or Not! Top Dollar Paid. We Come To You! Any Make/Model. Call For Instant Offer: 1-800-864-5960
AUTO DONATIONS
DONATE YOUR VEHICLE RECEIVE $1000 GROCERY COUPONS UNITED BREAST CANCER FOUNDATION Free Mammograms, Breast CancerInfowww.ubcf.info FREE Towing, Tax Deductible, Non-Runners Accepted, 1-888-999-3148
Miscellaneous
CASH PAID for unexpired, sealed DIABETIC TEST STRIPS- up to $17/Box! Most brands. Shipping Prepaid. FAST payment. Ask for Emma 1-888-776-7771 www.cash4diabeticsupplies.com
AUTOS WANTED
CARS/TRUCKS WANTED! PayMAX pays the MAX! One call gets you a TOP DOLLAR offer! Any year / make / model. 1-888-PAYMAX-5 (1-888-729-6295)
Miscellaneous
DIRECTV $29.99/mo $0 Start Costs! Free HBO CINEMAX SHOWTIME STARZ! FREE HD/DVR! Free Installation! Were Local Installers! 800-355-4203
Personals or Misc.
Christian Dating & Friendship Service 21 Years of successful introductions with over 100,000 members & countless successful relationships! Singles over 40, call anytime for a FREE package. Call 1-800-584-1680
AUTOS WANTED
CASH FOR CARS: Cars/Trucks Wanted! Running or Not! We Come To You! Any Make/Model. Instant Offer - Call: 1-800-569-0003
Miscellaneous
EARN COLLEGE DEGREE ONLINE *Medical, *Business, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. SCHEV certified. Call 800510-0784 www.CenturaOnline.com
TV
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Miscellaneous
ACR METAL ROOFING - GO GREEN - tax credits agricultural, commercial, residential. Building packages, top quality, low cost, FREE literature. acrmetal.com, 800-325-1247
Miscellaneous
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Wanted To Buy
FAST PAYMENT for sealed, unexpired DIABETIC TEST STRIPS-up to $17/Box! Most brands. Shipping Prepaid. Call today & ask for Emma 1 - 8 8 8 - 7 7 6 - 7 7 7 1 www.cash4diabeticsupplies.com
Business to Business
REACH CUSTOMERS IN THE MIDATLANTIC STATES. Place your ad in over 5.2 million households in free community papers for 5 weeks and get the 6th Week FREE. Visit www.macnetonline.com for more details or call 800-450-7227.
Miscellaneous
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www.todaysshopper.net
ADS ONLINE AND IN PRINT
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www.todaysshopper.net
MISCELLANEOUS & NOTICE
HEATING BILLS! Save up to 50 percent off your next heating bill. Advanced Portable Infrared Heater Heat 1000 sq. ft. for about 5 cents an hour! Free Shipping! Call 1-888-435-0688
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MUSICAL INSTRUMENTS
CLARINET, FLUTE, VIOLIN, Trumpet, Trombone, Amplifier, Fender Guitar $70. ea. Cello, Upright Bass, Saxophone, French Horn, Drums $190. ea. Tuba, Baritone, Others. 1-516-377-7907.
Schools
HIGH SCHOOL DIPLOMA FROM HOME. 6 - 8 weeks. ACCREDITED. Get a Diploma. Get a Job! FREE Brochure 1-800-264-8330 www.diplomafromhome.com
ATTENTION
Business Owners
Are you in need of an AFFORDABLE Advertising Program?
direct mails 5 separate zoned papers that can target the area or areas that you need. Up to 81,000 Plus!! We direct mail to EVERY home and business. We started our first paper over 18 years ago in Washington Township.
Our
Call us today!
856-228-9852
AD PROGRAM
will work for you!
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Dr. Annie has privileges to treat children at Virtuas surgical center located on Hurffville-Crosskeys Road in Washington Township.
Call our office for more information Dentistry for pediatric & special needs thru adolescence
(856) 582-1000
STATE-OF-THE-ART FACILITY DIGITAL X-RAYS EMERGENCY SERVICES NITROUS OXIDE ANALGESIA AVAILABLE
PARTICIPATING PROVIDERS: Delta NJ/USA Premier Plan, Horizon of NJ Dental Option, Cigna, Guardian, Aetna/Assurant PPO Plans Check Out Our Website At:
PERIODONTICS:
Thomas Boytim, DMD
(NJ Specialty Lic. 3967)
PROSTHODONTICS:
Jonathan H. Orenstein, DMD
(NJ Specialty Lic. 3442)
www.washingtontownshipdental.com
to download new patient forms, etc.
Must mention this ad when scheduling appointment Must mention this ad when scheduling appointment
ENDODONTICS:
Craig Appelstein, DMD
(NJ Specialty Lic. 5856)
Winter Special
FREE Exam
Including All Necessary X-Rays
NEW PATIENTS ONLY (Valued at $149)
Must present original coupon at time of visit. 1 coupon per family. In the absence of Dental Ins. Expires 2/15/12.
PEDIATRICS:
Mary-Kathryn Annuzzi, DMD
(NJ Specialty Lic. 5540)
www.todaysshopper.net
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CLAYTON WILLIAMSTOWN 856-863-6633 856-728-1600 420 N. DELSEA DR. 126 POPLAR ST.
WWW.GOFERAS.COM
10% Sell to Us? Its yourPAID should get mostTHIS AD BONUS stuff! You WITH of the money! Why
Our thirty years experience allows us to pay you more! We guarantee it!
GOLD NEEDED
10kt., 14kt., 22kt., 24kt., DENTAL GOLD, PLATINUM WE WILL BEAT ANY COMPETING OFFER GUARANTEED!
SCRAP
ALSO WANTED:
DIAMONDS COIN COLLECTIONS INDUSTRIAL PRECIOUS METALS PROOF & MINT SETS
We Will We Pay More Than 200% Beat Any Higher Than Competing Cash 4 Gold Offer! On TV!
* Bonus paid on first $300 in scrap gold we buy. Coins and bullion items excluded. We pay higher or lower according to the NY Spot price and market conditions at time of transaction.
PRSRT STD U.S. POSTAGE PAID PHILA PA 191 PERMIT NO. 6438
10 off
Spa Specials
AS SEEN ON OPRAH
Featuring our newly remodeled Pedicure Area featuring our brand new Twin Whirlpool
One Hour Massage AND One Hour Facial $99 (3) One Hour Massages OR 3 One Hour Facials $150