Hi,
I got my yorkie baby just before Christmas. I was leary as well but felt I was somewhat protected by my credit card.
I know the breeder has 1 female left. I couldn't decide on the male or female. Finally decided I had to have the little boy. I just fell in love with the ad pics. You can check out my little boy on a blog I made for him at
http://yorkie-baby.blogspot.com
The breeder I got him from is here
http://www.wycofarms.com
I wish you luck in your search for a little love