Before paying anything, have the collector send you a statement saying that the amount you are paying will cancel your debt. Even when the agency has confirmed that you owe money, you may still be able to get away with paying less than you owe. Chasing you down for money is a long and expensive process, and an agency may be willing to accept a smaller payout if it is immediate. Begin by asking if the collector is willing to negotiate a deal. Be sure to say that you plan on paying immediately if you two reach a deal. If the collector is willing to negotiate, start by offering a small amount, like 20% of the debt. The collector will then offer a counter-amount. Keep working back and forth until the two of you reach an agreement. At this point, you must get the agreement in writing. An email or fax is generally acceptable as long as it has the amount agreed upon, the date by which you need to pay (immediately in this case), and that once paid your debt will be considered paid in full. This prevents them from taking the amount then saying it was a partial payment and chasing you for the rest. If you cannot provide the full amount of the debt immediately, come to an agreement on how much you will send every month until the debt is repaid. Make sure this amount is something you absolutely will be able to pay. Missing more payments will hurt you further. Emphasize that you are willing to pay, but this amount is all you can afford right now. Offer to speak on the matter again in a few months to see if the monthly amount can be increased. As always, get this agreement in writing. Do not send the agency a personal check. This provides them with your banking information. Under no circumstances should you allow a collection agency access to your bank account. This is not necessary to pay back your debt. If you must provide electronic transfer information, set up a new account in a separate bank and place only the amount you agreed to transfer in that account. This prevents the collector from taking out more than they've agreed.
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One-sentence summary -- Get all agreements in writing. Negotiate with the collector. Work out a payment plan. Pay with a bank check or money order.

Sit on the floor with your legs straight in front of you. Start by reaching your arms upwards toward the ceiling. Gently lean forward and reach towards your toes. This stretches the hamstrings, leg muscles, and the lower back. The goal is not actually to reach your toes but to straighten and lengthen the back. A mistake in form is to be focused on the feet rather than the back. This is a back exercise, not a foot-grabbing game. Use props to get the form proper. Thera bands, rolled up towels, and belts can all be wrapped around the feet to get into a modified form. As an alternate method, you can try the pike stretch from a standing position. While standing erect, bend forward at the waist and reach towards the ground. Bend forward far enough to feel a comfortable stretch in the back and legs. Sit on the floor with your knees bent and your legs tucked underneath your body to the left side. Hold onto your ankles with your left hand and raise your right arm. On an inhale, extend your right arm over your head and reach toward the ceiling. Exhale your breath and feel the stretch in your torso and back muscles. Hold the pose for 20-30 seconds, then repeat the movement several times. Be sure to switch sides, with your legs under your body to the right and your left arm extending over your head. Lie down on your back with your knees and arms spread shoulder-width apart and push your hips up toward the ceiling. Bend your knees and place your feet flat on the floor. Plant your hands on the ground just above your head and use your arms and legs to lift up your body as much as you can comfortably lift it. Hold this position for several minutes while you breathe in and out. If desired, you may place a support prop, such as a yoga block, underneath your buttocks to help support your body in this pose. However, doing this will eliminate or reduce the strength component of this exercise.
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One-sentence summary -- Keep your back straight while you attempt a pike stretch. Lean into the mermaid stretch. Strengthen your back with a bridge stretch.

These products are especially helpful for removing tough carpet adhesive (which have replaced tack strips in recent years). You can find a product like this at any hardware store. Commercial adhesive removers are very strong. It is important for you to put on rubber gloves to protect your hands from any chemicals. You should also wear protective eyewear and a mask. It's a good idea to test the adhesive remover first to see if it works well. Choose a small area, like a closet, to see if the adhesive remover works well or if it has a negative reaction, such as staining your wood. Begin with just a small amount of adhesive remover (this product is very powerful), following the instructions listed on the package. Then, using your sponge, apply the adhesive remover to the adhesive on your floor. Leave the adhesive remover on long enough to loosen the adhesive (approximately five minutes, or according to the manufacturer's instructions). Once again, work carefully with the scraper, using soft motions and taking care not to gouge your hardwood floor.
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One-sentence summary -- Purchase a commercial glue/adhesive remover. Wear gloves, protective eyewear, and a mask. Test the adhesive remover. Pour a small amount of adhesive remover onto a damp sponge. Give it some time. Use a scraper to remove any residue.

The location of your wedding ceremony is important for many reasons, but it also lets you build on your wedding theme. Churches are the default option for many weddings, but choosing a unique and special location can add a more personal feeling to your ceremony. For example, rustic themed weddings can be held in the countryside or on a farm while nautical weddings could be held on a beach. Go back through your relationship and see if there are any special moments that happened in a place that you could revisit and could hold the venue. If you like the idea of revisiting important locations but none of them seem to work, you can always turn it into your wedding theme and include references to important places as decorations or table centerpieces. Special locations can include where any of your first moments happened, like where you first met or went out. Depending on where you choose to hold your wedding, seating could either be troublesome to find or automatically included. Churches are convenient for that reason because they have pews to hold many people, but there are other spaces that have just as much seating. For example, some theaters, schools, and sport stadiums are available to book for your venue. If you want to hold your wedding outdoors, get creative and make the seating part of the theme! Hay bales, for example, can be used to reinforce a rustic theme and provide interesting places to sit.
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One-sentence summary --
Pick a location that emphasizes your theme. Pick a location special to your relationship. Make arrangements for seating.