I was not aware that this Yorkie is 3-4 yrs. old. It is a shame and very sad . Now, is not the time to be pointing fingers at the breeder. It is heartbreaking that this dog will soon have no home. If it were mine, i'd pay the bills no matter what. Certainly and arrangement could be made to decrease the monthly payments. 'if there is a will, there's a way" I believe the owner has made her mind up.
My question to her is, "Are you going to get anther dog after placing this one in a rescue?"
