Thank you ... so much. I don't have anything like this. It's so ... thoughtful. I don't think I'd have ever thought to buy a pink polka dot necktie and matching boxer briefs ...  

We've all been there. Sometimes, loved ones with the best intentions pick out the worst possible gifts. Or maybe they know you so well they buy you something you've already purchased 10 of for yourself.

Now that the holiday season has finally come to a close, it's time we return to, well, the return season. Here are the policies at some of New Jersey's biggest retailers:

Gift cards and gift certificates: Most stores won't accept returns on gift cards, but New Jersey and federal laws do put certain consumer protections in place. A gift card or certificate can't expire within 5 years of its purchase. If less than $5 remains on a gift card, the card owner can ask for the remaining amount in cash.

Amazon: Items shipped by Amazon.com between Nov. 1 and Dec. 31 may be returned until Jan. 31, 2017, for a full refund. Other items can generally be returned within 30 days. There are special conditions for some items — such as baby items (which can be returned within 90 days), or computers (which may incur a restocking fee. See complete details here.

Babies 'R' Us: Most items can be returned within 90 days with a receipt. Items with gift receipts can be returned for store credit. Items without a receipt but also on a baby registry can be returned as well if the purchase was made within one year of the listed "event date." There are special restrictions on computer hardware and outdoor equipment. See complete details here.

Barnes & Noble: Barnes & Noble requires a receipt (or a gift receipt) for all returns. Nook e-Books and apps can't be returned (though Nook devices can). Magazines can't be returned. There's typically a 14-day period on most returns, but items purchased during the holidays (from Nov. 14 through the end of the year) can be returned until Jan. 31. 1. See more details here.

Bed Bath & Beyond: Returns with receipts can be made at any store or to BB&B's returns processing center — but merchandise from a truck delivery can't be brought back to a store. The refund is given in the original form of payment. Items with a gift receipt can only be exchanged for other items or store credit. If you're returning an item without a receipt, BB&B will look it up for you if you know other details of the purchase, such as the credit card number used or an order number (and if it can't find a record, will return 80 percent of the current selling price).  There are special conditions for PayPal, truck delivery and international returns. See complete details here.

Best Buy: Most products can be returned within 15 days (30 or 45, for "My Best Buy "Elite" and "Elite Plus" members). The store has extended the return period for items purchased between Oct. 30, 2016 and Dec. 31 2016 to Jan. 15. Items (like cell phones) with carrier contracts or under AppleCare and Geek Squad protection have their own special conditions, as do wedding registry items (60 days) and marketplace items (varies). See complete details here.

Costco: Costco will refund most purchases at any time, but electronics can only be returned within 90 days of purchase. Diamonds 1 ct. or larger much include all original paperwork, and buyers receive jewelry credit memos. Cigarettes, alcohol and items with limited useful lives have special conditions. See complete details here.

JCPenney: Items purchased with a receipt are eligible for exchange or refund of the purchase price on the original method of payment. Items with a gift receipt are eligible for exchange or refund at the gift receipt price in the form of a gift card. Items without a receipt are eligible for exchange or refund at the item’s lowest selling price within the last 45 days issued in the form of a merchandise return voucher. There are special rules for furniture, jewelry, electronics, special occasion dresses and some other items. See complete details here

Kohl's: There are no time restrictions for returns, and no receipt is needed for Kohl's Charge purchases — except for premium electronics, which generally must be returned within 30 days. But premium electronics purchased from Nov. 1 through Christmas day may be returned by Jan. 31, 2017 with original packaging and a valid receipt or account look-up. Store associates can look up a Kohl's Charge purchases for up to up to 12 months after the purchase date. An item with a receipt (or with a Kohl's Charge) is eligible for cash or credit. An item with a gift receipt can be returned for a merchandise credit, an even exchange, or a corporate refund. An item with no receipt can be returned for an even exchange, a merchandise credit based on the lowest price within the past 13 weeks or a corporate refund. See complete details here.

Sam's Club: The store will refund members' purchases in full with a receipt, or a Sam's Club Shopping Card without a receipt. Most returns can be made at any time, but there are special rules for certain categories of items. Receipts are required for certain electronics, which may be subject to time limits of 90 or 30 days. Carrier-connected devices are returnable for 14 days and must include a receipt. Refrigerants must be returned within 7 days, with a receipt. Special rules for items purchased with the SNAP food stamp program apply. See complete details here.

Sears: Generally, returns can be made within 30 days with an receipt, for a refund or exchange. Items purchased from Nov. 1 through Dec. 24 of this year normally subject to the 30-day period can instead be returned as late as Jan. 31 The holiday return policy applies to all items, not just those with gift receipts. Christmas season items (such as trees and decorations) cannot be returned after Dec. 25. There are other special rules for furniture, cell phones, mattresses, personalized items and media. See complete details here.

Target: Most unopened items in new condition and returned within 90 days will receive a refund or exchange. Some items have a modified return policy that may be listed on the receipt, or on Target.com if purchased online. Target debit and credit REDcard holders will receive an extra 30 days to return nearly all items purchased with their REDcards. Items with gift receipts are returned for Target gift cards. Returns of items without receipts may be limited, but the company will always accept returns of new and unused clothing for the same item in a different size or color. There are special restrictions on open media, airbeds, open collectibles, holiday-season items, electronics and others. See complete details here.

Toys 'R' US: Same as Babys 'R' Us (see above)

Walmart: Most store items can be exchanged or refunded with a receipt within 90 days of purchase. For items purchased in-store, there are options for those without a receipt — the store gives the option of a cash refund (for purchases under $25), a gift card for the amount of the purchase (for purchases over $25) or an even exchange for the product. Some items are subject to shorter return periods, such as electronics (normally within 15 days) and cell phones (14 days for post-paid, 15 days for pre-paid). But if any of those items were purchased between Nov. 1 and Dec. 24, the return period is extended to Jan. 10 (for the usual 15-day items) or Jan. 25 (for the usual 30-day items). See complete details here.