I was lucky enough to find a sellar who was willing to accomadate me. We both have quite a bit of positive feed back and we spoke on the phone more than once as well as communicating via e-mail. He received more than 50% of the cost up front which probably made the sellar's decision easier. No paypal was involved. I've never asked anyone for a lay away plan before and I probably won't again but I just couldn't pay all at once. I'm grateful to the sellar since he could have sold it to someone else. The item will take a relatively short time of 2 months to be paid off. The agreement was that the sellar would keep all the money in the event of anything happending to hinder the sale.