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Hey everyone, its been a while since I've been on the Fool, but I just ran into a situation and could use your sage advice :)

We're getting married in June and are about ready to sign with a photographer, but upon reading the fine print, something in their contract really bothers me. And that is that the contract states that all amounts paid and non-refundable and even non-transferable to another date.

I know the chance is slight, but in case of a family emergency or natural disaster or something, that's an awful lot of money to just throw away. All the other vendors we've dealt with so far (officiant, DJ) have said that in the event of a cancellation, the monies paid can be used towards another event of equal or greater value withing a certain time frame.

Heaven forbid something should happen, it seems really cruel to take payment and then perform no service. This combined with the fact that they want payment in full several weeks before (not day of or anything) makes me uncomfortable.

My question is... Are all photographers like this? What about in the NY area (northern NJ here)? Or if I asked him might they be able to relax the rules to get us to sign??

- Fred
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