Debt Statue of Limitations

Did you know that many states have statue of limitations on the debt that you owe. If your state has this debt collectors cannot sue you or put your debt on your credit report if the limitations have run out.

You must be careful when a debt collector calls you do not agree to any partial payments or repayment plan or even admit remember knowledge the debt as this may start the clock over on your statue of limitations. If you are threatened or a debt collector uses profanity or keeps harassing you after 9 PM you do have some options. You can report this company to your state attorney generals office and also the Federal Trade Commission as these are violations of the Fair Debt Collections Practices Act. Remember we do not have a debtors prison in this country and you do have rights you must be aware of them and study your options.

The Marriage License

While you're planning your wedding it is very important that you secure your marriage license in a timely manner.

The regulations governing the application to marry license varies from state to state. For example in some states there is no waiting period once you have applied for your license. In others it could be as much as three-days. You will also have to show proper ID such as a drivers license, state ID card or a passport. If you are marrying a person who is a nonresident of the United States you might want to check out if there's any special requirements required by the state. So before making that trip down to City Hall just call ahead and see what requirement and regulations you will have to follow.

Wedding Scams

You have to be very careful while planning your wedding especially if it is taking place in a hotel.

Not all but some hotels will use some very devious tactics and hidden costs to add to their bottom line. When negotiating with the hotel make sure that you have an ironclad contract for exactly what the cost of the ceremony or reception will be so there will be no hidden cost or tacked on fees.

When you receive your bill you must go over with a fine tooth comb to detect any out of place service fees that may have been added. An example of this would be a fee for cutting the cake or a cork fee for opening the champagne. Also make sure that the gratuity service charge is correct and nothing has been added to it. One remedy to this problem would be to have some of your friends cut the cake and serve the champagne. The bottom line is have a good contract and review it to make sure nothing has been added.

The Dispute of Walgreens and Express Scripts

This is a Sponsored post written by me on behalf of Walgreens. All opinions are 100% mine.

I had a call from my friend today and she expressed total disappointments. She is now looking for a new pharmacy that offers more savings and it saddened her because she reads the press release about the dispute between Walgreens and Express Scripts.

Both of us are customers of Walgreens and we like this establishment because they offer affordable prices. My friend has her prescriptions from them and she took advantage of the special discount provided for the annual membership on Prescription Savings Club at Walgreens. She told me about the dispute, and she as a patient under the Express Scripts plan was caught in the middle. She finds it convenient to have her prescriptions picked up at Walgreens and with this dispute, she feels bad about it. She created a personal rapport with the employees of Walgreens pharmacy but now, she will have to find another pharmacy. It would mean, she had to drive further and conform with the business hours for prescription pick-up. Having used to a 24-hour service from Walgreens Pharmacy, this change brings her inconvenience and a big hassle. I hope that Express Scripts will think about the patients and what's good for the majority of their clients. Tricare, the health and prescription drug program for the military is also affected greatly.

How about you? Share your opinions at Walgreens on Twitter and Walgreens on Facebook and express your dissatisfaction for Express Scripts. You can leave your intellectual points in the comment section below.

Wedding Scams

How would you like to wake up one day and find that you are married to a foreigner? This actually happened to a woman in California.

This is why you must protect your identity and be aware of your surroundings at all time. A citizen of Nigeria claimed he was married to a US citizen when filling out the paperwork for his green card. He turned in a fake marriage certificate to the Alameda County records office and also to US immigration. His plan was foiled when the so-called wife discovered her name on a marriage certificate on file at the county courthouse needless to say she was not a happy newlywed and immediately call the authorities. The man was arrested and later tried and convicted of immigration fraud, and identity theft. This situation just points out the importance of constantly monitoring your bank accounts and public records to make sure your name doesn't appear on some bogus paperwork. This is actually the first time I heard of a scam like this remember the con men are always out there thinking of new ways to get over.

Have A Picnic

Being a newlywed you are always looking for different things to do with the man or woman of your dreams. Let me suggest a picnic.

The original idea of the picnic was a group of people getting together with each one bringing their own distinctive dish to the social gathering. Today the modern-day picnic is defined as they pleasurable excursion where a meal is consumed outdoors. Most picnics take place in a pleasant landscape such as a park, in the mountains or at the beach.

Picnics have graduated into a special event. In the old days you would take your picnic lunch spread it out on the blanket and enjoy. Today's picnic offers more luxury such as designer Picnic baskets that feature beautiful plates and place settings. They are many different blankets and mats that come in many colors and are designed especially for using on the ground. Picnics have come a long way from the wicker baskets with a sandwich or fried chicken to portable grill and folding tables to blankets that match your dishes. So if you're having a old-fashioned picnic sitting on your blanket and eating your sandwich or a designer picnic with all the fancy accessories I'm sure you will still enjoy being in the beautiful outdoors.

Pay Cash

As a newlywed you are always looking for ways to save money. Whether you collect grocery store coupons or shop at the discount stores.

There is another way you may save money I call it the old-fashioned way pay cash now isn't that a unique idea. Many small businesses such as the mom-and-pop store on the corner would rather you pay cash then use a credit card. Why you might ask? Credit card companies charge businesses a certain percentage for the use of their card. Instead of paying this percentage the business would rather give the customer a small discount for paying cash. I have often been this scenario play out in gas stations where they have one price for credit card users and one for cash customers. Some businesses will even take checks if you have the proper identification this is still considered cash. Sometimes it is a hassle to show your ID but in most cases is well worth it. So remember when shopping for bargains and discounts cash is king.

Cancel Credit Cards

If you have lost your credit card of course you want to cancel it immediately. Informed the company that has issued it to you as soon as possible so you will not be charged or held liable for any amounts charged on them.

This is not the only reason that you would cancel a credit card. If you have cards that you do not use this may interfere with you getting a credit card that you do want. Creditors sometimes feel that having too many credit cards you may overextend yourself. Therefore it is better to just go ahead and cancel the unused cards.

There is a simple solution to this problem even though there are telephone numbers you may call to cancel your card is also wise to put in writing. This can be done with a simple letter. Just send a letter title request to cancel credit card.

In your letter you will request that the credit card be canceled and also reported to the credit bureau that your account has been closed. You might also add that the card has been destroyed and will not be used again. It would be wise to send this letter registered so that you would have some proof of your request. This is a simple letter that you might do yourself. I