2 Free: Retro
2 Free: Retro
2 Free: Retro
Williamstown/Collings Lake
CEL
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2 FREE
training sessions
NEW MEMBERS ONLY
Retro Fitness
3501 Route 42 Turnersville 856-728-5002
With this coupon. Not valid with other offers or prior purchases. Offer expires 11/30/11.
FREE CHILDCARE
until January 1st
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Cherry Tree Crossing Shopping Center 475 Hurffville-Crosskeys Road Sewell, NJ 08080
(856) 589-4400
WE
Open Until 7pm
CATERING FOR ALL OCCASIO NS
DELIVER
Fresh Deli Sandwiches Homemade Soups Lox Whitefish Herring Salads Pickle Pushcart
website: www.bubbysjewishdeli.com
10% OFF
ANY EAT IN OR PICK UP ORDER OVER $15
With coupon. Not to be combined with other offers. Expires 12/31/11.
856-629-0776
Only in Williamstown
S
Sicklerville Rd.
Geets Diner
12 Months 0% Interest
Financing Available
(Ask for details)
FREE
995
$
FINANCING AVAILABLE
EACH
Reg. $1,795
Payments Starting At $
a month
28
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Villa Deli Catering 856-728-1010
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Expires 12/6/11
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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
Milano Pizza 856-629-1095 856-629-1093
Must mention coupon when ordering. Not to be combined with other offers or other discounts.
22.99
12.99
15.99
3 OFF
5 OFF
8 OFF
629-1093
Corkery Lane & Blue Bell Road Williamstown Visit us at: milanostogo.com Hours: MON-THURS, 11am-11pm FRI & SAT. 11am-12am SUN, 12noon-10pm
RETAIL SPECIALISTS!
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FOR FALL AND WINTER
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SAVE 10%
on ANY RETAIL PURCHASE ANY DAY!!
We Have Over A Thousand Parts Items In Stock!!
copyright Marty Reger 2009
Our Management And Staff Would Like To Take This Opportunity To Say Have A SAFE And HAPPY THANKSGIVING To Our Many Parts Customers!
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
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Williamstown/Sicklerville Rd.
856-728-3200
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856-740-3300
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1219 S. Black Horse Pike CVS Shopping Center WILLIAMSTOWN
10
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Prime Rib
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only $10.99
only $13.99
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only $8.99 Lunch for Two Lunchfor Two Lunch for Two $14.99 Lunch for Two $14.99 Two $14.99 Dinner for $14.99 Dinnerfor Two Dinner for Two for Two $19.99 Dinner $19.99 $19.99 $19.99
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LET US CATER YOUR NEXT PARTY! Ask Us About Our Catering Packages
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13
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EXCLUDES FRIDAYS. Must present coupon. Not to be combined with other offers. Expires 12/7/11.
EXCLUDES FRIDAYS. Must present coupon. Not to be combined with other offers. Expires 12/7/11.
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Target
TO A.C.
Aldi
Sun Bank
AUTO MILE
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Must be presented at time of purchase or initial deposit. Not valid on prior sales. Expires 12/14/11.
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CLAYTON WILLIAMSTOWN 856-863-6633 856-728-1600 420 N. DELSEA DR. 126 POPLAR ST.
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Gingerbread Primitives
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Brigalias
856-629-4545
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Camelot Room
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Victorian Room
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Come Dress for the Fifties. Cash prize for best dressed couple. Cash price for best Doo Wop Dancer (couples only)
$ 4 Cheesesteak
16 November 23, 2011 - December 6, 2011
WE DELIVER 856-740-3287 off $ Every First (E A T S) FREE $ Italian HoagieWednesday of the Month STORE HOURS $ 4 Italian 10am-10pm 10% off $ ItalianHoagie Sunday Hoagie Mon.-Sat.10am-9pm $ 4 Cheesesteak $ CheesesteakBEST $ VOTED Every Third Wednesday of the Month 3 Italian Hoagie $ HOAGIE Cheesesteak $ 2.99 $ FOUR of Williamstown FALL SUPER SAVER SPECIALS $ Italian %$5 off 4 Cheesesteak Hoagie 748 Sicklerville Road Located in the BP Gas Station $ Half Price Wings SUPERIOR HOAGIES,$ 4 Italian Hoagie $ FREE $ CHEESE STEAKS, WINGS, CATERING AND A WHOLE LOT MORE Every Sunday & Monday During the Regular Season! Cheesesteak $5 Visit Us At www.slackshoagies.com For Full View Of Menu $10% off $ Cheesesteak $ FREE FOUR HOLIDAY SPECIA SPECIALS
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Limited supply.Installation available. Some cars require additional parts.
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$5 off
$30 or more
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With ad. Cannot be combined with any other offers. Expires 12/24/11.
(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
31
20% OFF
Expiration: December 31, 2011
18
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 [email protected] 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
MASTER CARD
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Card
BLACKWOOD CAR WASH & DETAIL CENTER 1012 S. Black Horse Pike
Located Across From Super Value
856-875-2227
856-227-7772
4.00 OFF
FREE
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WITH OIL CHANGE PACKAGE
Expires 12/7/11. One coupon per vehicle. Not to be combined with other offers
FREE FULL SERVICE CAR WASH WITH OIL CHANGE PACKAGE (Williamstown Only)
TS3
Reg. $24.99 +tax. Wash Not Included. Vans, SUV's, Trucks, Limos, 4x4 $10 add'l. PLU 1099
With this coupon. Not to be combined with other offers. Exp. 12/7/11. TS3
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20
EAT IN TAKE OUT WEDNESDAY & SUNDAY Large Cheese Pizza DELIVERY
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Not to be combined with other offers. Expires 12/30/11.
10% Off
1299 N. Delsea Dr. GLASSBORO
FREE
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856-881-2580
Mon-Sat: 9am-10pm Sun: 11-6
AT EXPERIENCE YOGA
South Jerseys Health & Wellness Center
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Cuisine: Northern & Southern Italian Food Service Overall (very good) Value Price - Moderate
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for Super Specials
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22
856-629-1370
www.dannyjrslandscaping.com
Member
NJLCA
NMCA
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$15.99
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Bring in Your NEW Unwrapped Toy and Help a Needy Child.
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NJ NAILS
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WIPE OUT YOUR BILLS TODAY AND START SAVING FOR THE FUTURE
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Use Coupon for $100 Off FEE FOR CHAPTER 7 IS $996 +costs FEE TO START CHAPTER 13 IS $680 LOAN MODIFICATION FEE IS $1495, everything included
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SEYMOUR WASSERSTRUM
THE ATTORNEY YOU TRUST TO GET YOU OUT OF DEBT
Listen to Attorney Seymour LIVE on the Radio Bankruptcy University, Every Thursday Night from 8-9pm on 92.1FM
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www.gthejeweler.com
137 Woodbourne Rd. Langhorne, PA 215-547-2550
Ill Pay the Jeweler The G FRE Highest Prices Analysis E Black Horse S ofin the World! Pk. Your Jew All
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Whitman Drive
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26
LLC
Locally Owned and Operated
Mailing Address: P .O. Box 1110 Turnersville, NJ 08012 Phone: 856-228-9852 Fax: 856-228-6445 PUBLISHER Gary Becker 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.
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LOCAL ADS
ARTICLES FOR SALE
Christmas Tree - New 7Ft. Frasir Fir Christmas Tree. 1000 permanent clear lights, w/stand. Lawn display Victorian wooded Sleigh. Asking $150 each OBO. Call Marie 856-464-2516 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. Bathtub, Desk w/ Chair, Bookshelf, TVs, Christmas Dishes, Filing Cabinets, Printer, Twin Bed, Roofing Equipment, Ford Truck Bed Cover, Bikes & Paintball gun. Call 856-435-2790
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www.todaysshopper.net
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All of us at
wish you a Happy Thanksgiving and Holiday Season! Thank you for reading and advertising in our paper. Sincerely, Gary Becker, Publisher
Ganttown Plaza
Adult - $6.59
Kids (3-6) - $2.99 (7-10) - $4.99
Adult - $9.99
Kids (3-6) - $4.99 (7-10) - $5.99
Adult - $9.99
Carry-Out Buffet
Choose at least 3 items per take-out.
Drinks - $1.49 (free refill) Hot Tea & Water - Free Children under 2 - Free Senior Citizen 60+ - 10% off
30
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
Happy Thanksgiving!
Jerome D. Schwartz, DMD Stephen P Altaker, DMD . Jay H. Simon, DDS Robert J. Bernstein, DMD Elizabeth Balis, DMD
Voted Top Doc by South Jersey Magazine
(856) 582-1000
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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
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Fall 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 12/14/11.
PEDIATRICS:
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(NJ Specialty Lic. 5540)
www.todaysshopper.net
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YAMAHA PSR-E333
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YAMAHA NP31
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IBANEZ IJB90
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LANIKAI LU-21
Standard Ukulele
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JAMM
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Rock University Music Funtime PreSchool Choir Program - Grades 1-5 & 6-12
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H O U R S
Tues. .....10 am-9 pm Wed. ....10 am-6 pm Thurs. ....10 am-8 pm Fri. .........10 am-9 pm Sat. .........9 am-3 pm
20% off
With each visit, now through the end of December, get a chance to
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(3) 1 Hour Body Massages FREE Haircut
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Not to be combined with other offers. Expires 12/31/11.