Documente Academic
Documente Profesional
Documente Cultură
Williamstown/Collings Lake
CEL
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ALSO WANTED:
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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
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L OOK
FOR A
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IN
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5N D STAAI N G SC PR LA
856-404-7238
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Coupons may not be combined with any other offers. Not valid with any other offer. With this coupon. Expires 4/30/13.
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Coupons may not be combined with any other offers. Not valid with any other offer. With this coupon. Expires 4/30/13.
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Coupons may not be combined with any other offers. Not valid with any other offer. With this coupon. Expires 4/30/13.
DEPTFORD MULCH
856-842-8100
We Install What We Sell
FREE ESTIMATES
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19
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856-740-1414
www.capritans.com Check-In on
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856-740-9004
8.99
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141 Tuckahoe & Cross Keys Rd., Sewell (Next to Home Depot)
856-740-0091
856-415-7774
16
227-0423
Bill Verdecchio & Son
Lifetime Guarantee 0% Financing Available
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starting at
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18
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420 S. Broadway, Pitman
AT EXPERIENCE YOGA
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19
March is...
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856-589-6144
856-227-7415
Deptford, NJ www.textrodoor.com
SALE $495
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Includes Door, Vinyl Trim, Installation & Take Down
Must mention ad. Not to be combined. Expires 4/10/13.
Installed
SALE $795
Includes Door, Vinyl Trim, Installation & Take Down
Must mention ad. Not to be combined. Expires 4/10/13.
$25 OFF
Any Spring Replacement
(Must Replace Both Springs)
Must mention ad. Not to be combined. Expires 4/10/13.
$365
Must mention ad. Not to be combined. Expires 4/10/13.
20
G the Jeweler
Burger King
S
Black Horse Pk.
Taco Bell Dennys
Whitman Drive
Wendys
We Buy: Gold Unwanted Broken Jewelry Diamonds Watches Platinum Estate Jewelry Silver & Silver Coins Rolex
Sams Club
2ND LOCATION
3321 Route 42 Turnersville
(Ardmore Plaza Across from Honda)
G the
Walmart
Jeweler
Ritas
Wilson Dr.
856-728-0900
TRUSTED RUSTED
FOR FOR
Liscios
11 YEARS EARS
oe kah Tuc . Rd
www.gthejeweler.com
Everyday Pedicure Gel Polish for Manicure
NJ NAILS
Full Set $21 Reg. $23
Refill & Pedicure $33
$20
EACH
Open 7 Days
141 Tuckahoe Rd. Washington Twp. (Berlin Cross Keys Plaza by Home Depot)
Get A $55 Gift Card ONLY For... $50
All coupons cannot be combined with other offers. Expires 4/13/13.
Permanent Pink Manicure & Gel Nails Full Set $30 & Whites $38 Pedicure ONLY Reg. $35 Full Set Reg. $40 $28
Brazilian Wax Jelly Pedicure Kids Pedicure LCN Pink $53 With FREE $42 Reg. $45 $3 off $15 Hand Design & White Reg. $60 Gel Set
Any Purchase
of $50 or More
Not to be combined with other offers. Expires 4/15/13.
856-262-3334
TRADERS LANE PLAZA 1951 N. Black Horse Pk., Williamstown
We started in the Williamstown Farmers Market and have moved to serve you, our customers, better!
HOURS: Tues.-Sat. 10-7 Closed Sun. & Mon. atouchoflancaster@verizon.net
$10 off
any reading
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EN OP W NO
856.537.7117
STRATFORD 400 S. White Horse Pk.
856.784.2323
$25.00 OFF
Any Brake Job
WE HAVE A STATE-OF-THE-ART BRAKE SHOP.
Our mechanics are professionally trained & certified. Present this coupon AFTER we quote you a price.
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22
SON Try the BEST! $AVING$! FATHER & Rest, NowPAINTING Youve Tried the
Call Now To SAVE!!
SERVING THE TURNERSVILLE AREA SINCE 1979
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Not to be combined with other offers. Cannot be used for prior services. Expires 4/13/13.
Not to be combined with other offers. Cannot be used for prior services. Expires 4/13/13.
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DON T! OU
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N O O P W E N
856-302-1792
WALMART CENTER, across from Turnersville Automall 3501 Black Horse Pike, Unit 390,Turnersville, NJ 08012
www.tfyogurt.com
Yogurt
Rt. 42, Black Horse Pike
ad Ro oe kah Tuc
50% off
Buy 1 Get 2nd 50% Off
Of Equal of Lesser Value. With coupon. Expires 4/10/13. Cannot be combined with other offers.
Tutti Fruitti
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2499 UNLIMITED TALK & TEXT. $4000 UNLIMITED TALK, TEXT & INTERNET. $5000 UNLIMITED TALK, TEXT, INTERNET.
$
WE BUY
SMARTPHONES
16 YEARS
in Business Same Location Same Owner
856.262.7733 856.262.7777
3321 Rt. 42 South Turnersville, NJ Across from Turnersville Honda
*Some restrictions may apply. See store for details. Your phone must be in working condition and able to power on and clear ESN. Limited time offer. Promotion only applies to new activations. First month up front and activation fee required. Limited internet available and available only on certain phones. See store for details.
24
Sicklerville, NJ 08081
856-262-8996
Spirit!
5% OFF
Bottle of Wine
Non-Sale 1.5L
542 Berlin-Crosskeys Rd., Sickerville, NJ 856.262.8996
Must have coupon. One coupon per customer. Not valid with other offers, prior purchase or sale items.
20% OFF
Any Cigar Purchase
SURGEON GENERAL WARNING:
Cigar Smoking Can Cause Lung Cancer And Heart Disease.
542 Berlin-Crosskeys Rd., Sickerville, NJ 856.262.8996
Must have coupon. One coupon per customer. Not valid with other offers, prior purchase or sale items.
www.todaysshopper.net
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JR USED APPLIANCES
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856-246-7956
250 Sicklerville Road Sicklerville, NJ 08081
26
Help Wanted
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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
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HOUSE CLEANING
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Miscellaneous
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PRAYER
May the sacred Heart of Jesus be adored, glorified, loved, and persevered throughout the world. Oh Sacred Heart of Jesus pray for us. St. Jude worker of miracles pray for us. St. Jude helper of the hopeless pray for us. THIS IS A PAID ADVERTISEMENT FROM A READER OF THIS PAPER. PETS & ANIMALS Adopt- A-Pet, Gloucester County Animal Shelter. Beautiful, Healthy, Dogs & Cats. Save A Life-adopt. Call 856-881-2828
Miscellaneous
ATTEND COLLEGE ONLINE from Home. *Medical, *Business, *Criminal Justice. Job placement assistance. Computer available. Call 800-510-0784 www.CenturaOnline.com
HELP WANTED
Courier Post Newspaper needs Independent Contractor to serve newspapers in the Sicklerville and surrounding area. Must be available 3AM- 7:30AM. Auto Mechanic with your own tools. Call Tom or come in to American Discount Tire & Service Center. Call 856-228-1100
Help Wanted
NOW HIRING: Companies Desperately Need Employees to Assemble Products at Home. No Selling. $500 weekly potential. Info. 1-985-646-1700 Dept. AM-457
Help Wanted
HELP WANTED!!! Up to $1000 WEEKLY PAID IN ADVANCE!!! MAILING BROCHURES or TYPING ADS. FREE Supplies! Genuine Opportunity, PT/FT. No Experience! www.HelpMailingBrochures.com
Miscellaneous
CASH PAID- UP TO $28/BOX for unexpired, sealed DIABETIC TEST STRIPS! 1 DAY PAYMENT & PREPAID shipping. BEST PRICES! Call 1-888-776-7771. www.Cash4DiabeticSupplies.com
NATIONAL ADS
Adoption
PREGNANT? CONSIDERING ADOPTION? Talk with caring adoption expert. Choose from families Nationwide. LIVING EXPENSES PAID. Call 24/7 Abbys One True Gift Adoptions 866-413-6296 Florida Agency #100021542 Void in Illinois/New Mexico
PIANO LESSONS
Piano Lessons All Ages. Experienced Teacher has openings. Great rapport with children. Fun approach integrates theory and performance. Beth 856-371-0181
Financial
Do you receive regular monthly payments from an annuity or insurance settlement and NEED CASH NOW? Call J.G. Wentworth today at 1-800-741-0159.
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
DRUM LESSONS
Drum Lessons in my home studio in Williamstown. Entry level through experienced players. Call for info 609-432-8809
www.todaysshopper.net
Miscellaneous
ROTARY INTERNATIONAL A worldwide network of inspired individuals who improve communities. Find information or locate your local club at www.rotary.org. Brought to you by your free community paper and PaperChain.
27
COMPUTERS
Computer problems? Viruses, spyware, email, printer issues, bad internet connections - FIX IT NOW! Professional, U.S.-based technicians. $25 off service. Call for immediate help. 1-888-864-9317
TV/Phone/Miscellaneous
DIRECTV, Internet, Phone $69.99/mo+ 12 mos. 24/mo.contract FREE : HBO Starz SHOWTIME CINEMAX 3mo + FREE HD/DVR Features 4 Rooms! Ends 4/3/13, 888-248-4048
Miscellaneous
ROTARY INTERNATIONAL Start with Rotary and good things happen. Rotary, humanity in motion. Find information or locate your local club at www.rotary.org. Brought to you by your free community paper and PaperChain.
MEDICAL/HEALTH
Canada Drug Center is your choice for safe and affordable medications. Our licensed Canadian mail order pharmacy will provide you with savings of up to 90 percent on all your medication needs. Call today 1-800-254-4073, for $10.00 off your first prescription and free shipping.
REGIONAL ADS
Announcements
Feeling older? Men lose the ability to produce testosterone as they age. Call 888-476-0957 for a FREE trial of Progene- All Natural Testosterone Supplement.
Miscellaneous
MEDICAL CAREERS begin here Online training for Allied Health and Medical Management. Job placement assistance. Computer available. Financial Aid if qualified. SCHEV certified. Call 800-510-0784 www.CenturaOnline.com
Announcements
Medical Alert for Seniors - 24/7 monitoring. FREE Equipment. FREE Shipping. Nationwide Service. $29.95/Month CALL Medical Guardian Today 877-827-1331
For Sale
SAFE STEP TUBS. Enjoy safety, comfort and therapeutic relief from the best walk-in tubs made in the USA. Call 1-888-734-4527 for FREE information and SENIOR DISCOUNTS!
Miscellaneous
Meet singles now! No paid operators, just people like you. Browse greetings, exchange messages, connect live. FREE trial. Call 1-877-737-9447
Announcements
HOW IS BUSINESS? Need more customers? Advertise to over 4 million homes and businesses throughout the Mid-Atlantic Region for one price with online and print advertising. Visit www.macnetonline.com 800-450-7227.
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
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HEALTH/MISCELLANEOUS
ATTENTION SLEEP APNEA SUFFERERS with Medicare. Get CPAP Replacement Supplies at little or NO COST, plus FREE home delivery! Best of all, prevent red skin sores and bacterial infection! Call 1-888-440-8352
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.
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 (1888-729-6295)
Motorcycles/Wanted to Buy
WANTED JAPANESE MOTORCYCLE KAWASAKI 1967- 1980 Z1-900, KZ900, KZ1000, ZIR, KX1000MKII, A1-250, W1-650, H1-500, H2-750, S1-250, S2-350, S3-400 SUZUKI GS400, GT380, GT750, Honda CB750 (1969,1970) CASH. FREE PICKUP. 1-800-772-1142, 1-310721-0726 usa@classicrunners.com
Help Wanted
NOW HIRING: Employees needed to assemble products at home. No selling, any hours. $500 weekly potential. Info. 1-985-646-1700 Dept. MAC-6811
Sales
SALES REPS NEEDED. Opportunity to move into management. Result based commission. Low investment. We train. Agricultural, Vehicle & Construction. 610-593-5948, ext. 4
HELP WANTED
$1,200 WEEKLY guaranteed, mailing our company loan applications from home. No experience necessary. FT/PT. Genuine opportunity. Free Information (24/7) 1-800-279-3313
Business to Business
ADVERTISING WORKS TOGETHER - ONLINE AND PRINT. Give us a call to market your business to over 4 million households for just one price in publications like this as well as our online classified sites. Visit www.macnetonline.com and call 800-450-7227 for more details.
Schools
HIGH SCHOOL DIPLOMA FROM HOME. 6 - 8 weeks. ACCREDITED. Get a Diploma. Get a Job! No Computer Needed. Free Brochure 1-800264-8330 Benjamin Franklin High School www.diplomafromhome.com
TV/Phone/Miscellaneous
DIRECTV Lowest Price! FREE: HBO Starz SHOWTIME CINEMAX 3mo + HD/DVR to 4 Rooms! $29.99/mo+ - 12 mos. 24/mo.contract, Ends 3/20/13 888-248- 4052
WANTED
CASH FOR CARS: Cars/Trucks Wanted! Running or Not! We Come To You! Any Make/Model. Instant Offer - Call: 1-800-569-0003
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Service Directory
Reach 80,000 Plus Homes & Businesses CALL 856-228-9852
PAINT/PAPERHANGING PAINT/PAPERHANGING Wallpaper & Painting Residential Commercial Neatness Guaranteed
NO JOB TOO SMALL
GUTTER CLEANING
PAINTING
RICHS
BRITMAR
A&A PAINTING
FREE ESTIMATES
856-881-0105
856-582-2459
856-938-5532
PAINTING / POWERWASHING
GENTILI PAINTING
POWER WASHING INTER & EXTER. LIGHT CARPENTRY
www.gentili-painting.com Insured Reg. #13VH00966900 ROOFING & SIDING
856-228-2723
CARPENTRY
HANDYPERSON
J& F PAINTING
856-375-3629
Call 856-464-8843
CONTRACTOR
FAIR PRICES
FENCING
856-262-7825
HOME IMPROVEMENT Cioffis Home Improvement and Handyman Services
JMPC ENTERPRISES LLC.
856-340-5908
ACE FENCING
Vinyl, Cedar, Chain Link & Aluminum TOP QUALITY WORK 10% OFF with ad
FAMILY OWNED BUSINESS LOWEST PRICES
Allied Contractors
Home Remodeling Repairs Additions Basements 20 Decks Bathrooms YEARS SMALL JOB SPECIALIST EXP.
Powerwashing Cleanups NJ 13VH04495300
FLOORING $AVE
Contractor has rolls of Carpet & Vinyl from $1.35 SQ.FT. No wax vinyl 9X12 $289 installed.
FLOORING
Remodeling, Doors, Floors, Windows, Tile, All Home Repairs and More
609-221-5775
TREE SERVICE
Call 856-629-7060
We accept credit cards.
TREE SERVICE
PLUMBING
Residential Commercial Water Heaters Sump Pumps Faucets Garbage Disposals Repairs Gas Piping Bathroom & Kitchen Remodels
FALLONS CARPENTRY
Painting Repairs Customizing Windows Siding Kitchens Bathrooms Basements & More
License #13VH04374100 Insured RESIDENTIAL COMMERCIAL
856-228-9523
Tree Removal Specialist Stump Grinding 10% OFF ANY TREE WORK OVER $1000 FIREWOOD BLOWOUT SALE!
Bill 856-981-7388
CALL 856-875-0216
856-875-4500
N.J. State License Number 8512
A1
HOME IMPROVEMENTS AND REPAIRS Ray Fabiane, LLC Mention Windows Doors Basements Decks This Ad Kitchens Baths Handyman Services
For A Discount
HOME IMPROVEMENT
H.O.P.E. IMPROVEMENT
Flooring Refacing Attic Insulation Decks Power Washing And Much More 855-641-HOPE (4673) 856-236-0601 Our Prices Cant Be Beat! NO Credit Check or Finance Charges
www.hopeprogram.net
RP CONSTRUCTION
Decks Roofing Siding Additions ALL TYPES OF RENOVATIONS AND REPAIRS NJ Lic #13VH01138500
www.todaysshopper.net
29
Service Directory
LANDSCAPING CLEANING OIL TANK REMOVAL
Fall Clean Ups Mulch Stones Top Soil Pavers Cut Lawns Trim Bushes CALL 856-842-9441 OR 302-669-7021
856-287-4029
ROCK-SALT
ROCK-SALT
Delivered in Dump Truck $85 per ton Installed Price $145 per ton
856-882-8182
CONTRACTOR
GMT HOMESMITH
All Types of Repairs & Remodeling
We Will Beat Any Price
LICENSED INSURED FREE ESTIMATES Lic. # 13VH04184100
856-345-4166
DRIVEWAYS
EXPRESS LLC Paving Sealcoating Property Maintenance Stone Driveways NJ Lic #13VH01655900 856-313-4475
WANTED
Wanted One Touch Ultra Strips. $22 For 100 count box. By Mail only. (281) 764-9615. www.SellDiabeticStrips.com
DRIVEWAYS
LANDSCAPING
5 Star Landscaping
Clean-Ups/Clean Outs Lawn Service Mulching Weeding Trimming Tree Removal Pressure Washing
856-404-7238
WANTED TO BUY
CASH for sealed, unexpired DIABETIC TEST STRIPS! Free Shipping, Top $, 24hr Payments! Call 1-855-578-7477 or visit www.TestStripSearch.com espanol 888-440-4001
www.todaysshopper.net
ADS ONLINE AND IN PRINT
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!
30
Prime Rib
2 Vegetables Choice of Soup or Salad
only $13.99
Lunch for Two All You Can Eat OLD FASHIONED CHICKEN &$14.99 Two DUMPLINGS only $8.99 Lunch for Dinner for Two $14.99 You each select whichever Entree item you would like from the following choices, and the total for Both Entrees and Two Beverages is $19.99. $19.99 Dinner for Two
Wednesdays & Sundays Only
Please let your server know you are ordering from our Dinner for Two Menu. All selections are served with a Cup of Soup or a Tossed Salad. Served Daily, Monday through Sunday!
$19.99
Choice of Beverage includes: Coffee, Hot Tea, Unsweetened Iced Tea, Soda, or Raspberry Iced Tea.
Mon. - Fri. 3pm til 2am Sat. & Sun. 11am til 2am A GREAT PLACE TO EAT AND DRINK!
Located in Winslow Center Sicklerville
Also featuring
Breakfast Specials Daily Specials Full Bar & Cocktail Menu Take-Out Available Banquet Facilities* & Banquet Menu Available
* Larger Groups, Please Call For Details...
VALUABLE COUPON
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THE ENTIRE BILL
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31
DEBT RELIEF AND STRESS RELIEF WIPE OUT YOUR BILLS TODAY
Personal Injury Cases Wipe Out Surcharges BREAKING NEWS and Old Income Taxes Wipe Out Utility Bills Special Report on CNN States Stop Vehicle Repossession There is NO Stigma or Shame in Filing BANKRUPTCY Use This Coupon for $100 OFF and Wipe Out All Your Bills Reduce Car Payments in Chapter 7 for $999 + Filing Fee or Start Chapter 13 for $680. Wipe Out Medical Bills FREE CONSULTATION - CALL TODAY Reduce Mortgage Payments Stop Phone Calls Bankruptcy Attorney for 39 Years - Theres No Substitute for Experience and Creditor Harassment
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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
Top Reasons To File Chapter 7
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. Completely wipe out your credit card debt. Wipe out medical bills, dental bills, doctor bills, hospital bills. Wipe out utility bills such as gas, electric telephone, cable and cell phone bills. Wipe out income taxes that are more than 3 years old and that were filed more than 3 years ago. Discharge personal unsecured loans. Wipe out surcharges on your driver's license, and get your license back. Discharge legal fees. Stop wage executions on your salary. Release money from frozen bank accounts. Stop sheriff's sales of personal property or other property. Payday Loans, Title Loans.
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205 Landis Ave. VINELAND, NJ 08360
Se Habla Espaol!
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The Federal Government has designated us as a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
WipeOutYourBills.com
PRSRT STD U.S. POSTAGE PAID PHILA PA 191 PERMIT NO. 6438