LOCALLY OWNED • Serving Over 81,600 By Mail January 16, 2013 Sicklervill e Edition 1 y e a r s y e a r s 1 9 y e a r s C E L E B R A TINGServingtheC o m m u n i ty Remote Starts& Security1972 N Black Ho rse Pike • Williamstown 856.566.TINT (8468) Remote Starts&SecurityREMOTE CAR STARTER SALE $174.99! Some cars require additional parts and labor** 11AM TO CLOSING UP TO CHURCH ST. IN SICKLERVILLE HOAGIE WRAPS & SPECIALTYTRAYS BREADED or FRESH WINGS Mild • Hot • BBQ FEATURING Serving Delicious Breakfast Sandwiches, Wraps and Omelettes commencing 10am daily!!! MONDAYS ONL Y! During The Month Of January… $1.00 OFFAny Extra LargePIZZA!Must have coupon to be valid. Not tobe combined with any other offers. TUESDAYS ONLY! During The Month Of January 50¢BONELESS WINGSComes in Mild, Hot or Bar-B-Que • Must be purchased in increments of 10 Must have coupon to be valid. Not tobe combined with any other offers. SUNDAYS ONLY! We Are Equipped To Handle ALL YOur TAILGATING NEEDSAt Your Home OR The Eagles Stadium! Open at 10am on Sundays For Your Game Day Parties! Must have coupon to be valid. Not tobe combined with any other offers. SUNDAYS ONLY! We Are Equipped To Handle ALL YOur PLAYOFF PARTYNEEDS!Open at 10am on Sundays For Your Game Day Parties! Must have coupon to be valid. Not tobe combined with any other offers. STROMBOLI TRAYS AVAILABLE! NOW AVAILABLE... We NOW CARRY And DELIVER 8 Unique Flavors of HARD ICE CREAM!! (Including Milk Shakes and Sundaes) Sunday - Thursday: 10am - 10pm Friday - Saturday: 10am - 11pm 1715 Sicklerville Road (Strawberry Square) • SICKLERVILLE, NJ CHECK US OUT ONLINE AT: www.mynotjustpizza.com LET US CATER YOUR NEXT PARTY! •Ask Us About Ou r Catering Pack ages 10 % offALL CATERING Orders Over $150 Get (2) 16" Large CHEESE PIZZAS $ 14 99 (Toppings Extra) +tax Any 3 HOAGIES Ham • Turkey • Italian (Cheese Extra) or 3 CHEESESTEAKS (Toppings Extra) $ 1 4 99 EXCLUDES FRIDAYS. Must present coupon. Not to be combined with other offers. Expires 1/30/13. +tax Must present coupon. Not to be combined with other offers. Expires 1/30/13 16" Cheese PIZZA 12 Wings 2 Lt. Coke ALL FOR ONLY$ 14 99 +tax EXCLUDES FRIDAYS. Must present coupon. Not to be combined with other offers. Expires 1/30/13. Must present coupon. Not to be combined with other offers. Expires 1/30/13. Serving Delicious Breakfast Sandwiches, Wraps and Omelettes commencing 10am daily!!! MONDAYS ONLY! During The Month Of January… $1.00 OFFAny Extra LargePIZZA!Must have coupon to be valid. Not tobe combined with any other offers. TUESDAYS ONLY! During The Month Of January 50¢BONELESS WINGSComes in Mild, Hot or Bar-B-Que • Must be purchased in increments of 10 Must have coupon to be valid. Not tobe combined with any other offers. WINTERSAVINGS!! Visit: www.todaysshopper .net View and Print Ads • Place Classifieds • View This Week’s Edition OnlineLinks to ALL Local T ownships & Schools • 100’ s of Ar ticles to ReadVisit: www .todaysshoppe r .net WinslowFamilyDiner See our ad on page 22
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
What is Bankruptcy? A person may be in a financial sit-
uation 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 fam-
ily. 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 anorderly manner to the extent the Debtor has assets availablefor payment. For most consumers, there are two types ofbankruptcies. These are referred to by their chapters --Chapter 7 and Chapter 13.
To better understand the two Chapters, one must first havean underst
anding of the d
ifferent cl
asses of cred
itors
. “Secured” creditors include mortgage companies, car
lenders and sometimes the IRS. Unsecured creditors in-clude 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 majorchanges was the creation of the “means test” to preventwealthy debtors from “abusing” the bankruptcy laws. The“means test” is based on household size and income ascompared to the state's median income. A person who doesnot qualify under the means test to file Chapter 7 may have
to consider Chapter 13.Assuming a person qualifies for Chapter 7 and is repre-sented by an attorney, their attorney will ask them to list alltheir assets and all their debt. A person cannot pick andchoose what they wish to disclose – they must discloseeverything they own and everyone they owe money to. Inmost instances, the biggest asset is the home. The attorneywill obtain an appraisal or a Comparative Market Analysis ofthe home to determine its value. The attorney will then per-form a “liquidation analysis” of the home by deducting themortgage payoffs and the value of any unpaid real estate tax
liens from the value of the home. Then, he or she will applythe current Federal Exemption against any remaining netequity. In 2009, under 11 U.S.C. 522(d)(1), a husband andwife who are both named on the Deed can exempt up to$40,400 of net equity. This same analysis is then made foreach asset a Debtor owns and a similar exemption, if
available, is applied to save that asset. If there are any assetswhich are not exempt, the attorney will explain how suchnon-exempt assets will be treated in a Chapter 7. Based onthe results, the attorney may advise the Debtor to file a 13. If a 7 is completed successfully, the Debtor will receive adischarge of all unsecured debt.
What if the Debtor is behind on their mortgage and a fore-closure is either pending or on the horizon? If the Debtor isunable to work out a modification of their loan or any type ofagreement with their mortgage company, they cannot file a7 and still keep their home. The Debtor then looks to Chap-ter 13, often referred to as “Repayment”. Under this Chapter,the Attorney will review the Debtor’s income and expensebudgets to prepare a Chapter 13 “Plan” which will then beproposed to the Court for repayment to creditors. In themortgage example, a Chapter 13 Plan will propose repay-m
ent of the Debtor’sm
ortga
gea
nd possi
blya
certai
npercentage to their unsecured creditors. Based on eachDebtor’s particular facts, a Plan might propose repayment tosecured creditors only with little or no dividends to unse-cured creditors. The Chapter 13 Plan will be anywhere from3 years to 5 years, depending on each Debtor’s particularsituation, with monthly payments made to the Chapter 13Trustee. At the end of that period, if the Debtor has success-fully completed their Plan, they will receive a discharge.
Regardless of what Chapter a Debtor has filed, the decisionto file bankruptcy is a serious choice. It is a remedy that
may affect their credit and may affect their ability to use thebankruptcy code at a future time. A person who has consid-ered a bankruptcy should be sure to discuss the advantagesand disadvantages of bankruptcy with his or her attorney.
ABOUT THE AUTHOR: William A. Nash, Esquire, is licensedto practice law in the State of New Jersey. His office is lo-cated at 1001 Melrose Avenue, Suite A, Blackwood, NewJersey. Mr. Nash graduated from Rutgers University withHighest Honors and received his Juris Doctorate from Vil-lanova University School of Law. He served as a JudicialLaw 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. Nashis available at www.thenashlawfirm.com. Mr. Nash can bereached via telephone at (856) 228-2206 or via email [email protected]
Tell them you saw it in Today’s Shopper www.todaysshopper.net 11
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18 January 16, 2013 - January 29, 2013 To Advertise Call (856) 228-9852
LOCAL ADS
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Neither the publisher nor the advertisers are liable for typographical errors,misinformation, etc. unintentionally contained herein. All materials becomethe property of the Today ’ s Shopper LLC . Reproduction of matter contained
herein is strictly forbidden without written permission. All contest prizes sub-ject to change based on availability.
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DEBT RELIEF AND STRESS RELIEFWIPE OUT YOUR BILLS TODAY
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Top Reasons To File Chapter 71. Completely wipe out your credit card debt.2. Wipe out medical bills, dental bills, doctor bills, hospital bills.3. Wipe out utility bills such as gas, electric telephone, cable and cell phone bills.4. Wipe out income taxes that are more than 3 years old and that were filed
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Top Reasons To File Chapter 131. Pay mortgage arrears over 5 years2. Reduce your mortgage balance on rental or investment properties.3. Wipe out second mortgages completely in many cases.4. Stop foreclosures.5. Stop Sheriff sales.6. Stop landlord evictions7. Stop vehicle repossessions.8. Reduce your car payments.9. Reduce interest on your car loan.
10. Reduce balance due on your car loan in many cases.11. Wipe out all credit card debt, medical bills and unsecured debt.12. Wipe out utility bills13. Stop wage executions and freezes on your bank account.14. Payday Loans, Title Loans.
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