If you are looking at some big ticket items for your Christmas shopping list, it's not too early to start thinking about considering a layaway plan.  Layaway was once considered a dated, old-fashioned method of payment, but they are making a comeback.  Many businesses now offer layaway programs for today’s financially strapped consumers.

With many stores offering layaway services, the Better Business Bureau's Chris Thetford reminds the stores have the right to make their own rules.

Thetford comments

He says there are several questions you should ask before entering into an agreement.  Those include: how much time do you have to pay off the item?  When are the payments due?  How much do I have to put down?  And, what happens if you miss a payment?  Are there penalties?  Does the item return to inventory?

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