Puppy Financing - Page 3 - YorkieTalk.com Forums

rrosenberry · 09-28-2005, 10:39 AM

First of all,,,petstores/ Petland...

and what happens when unknowing people buy a petstore/ puppymill pup.. ON CREDIT,and 2-3 week they have stacks of vet bills for their sick dog,then the pup dies,,, But, I'm sure Petland goes through a credit company,,and they already have their money,, when the people stop paying on a dog that is dead. And the puppymills continue to supply them more dogs,,,to get on credit. Not a good idea for petstores,,imo.

mustangbee · 09-28-2005, 10:41 AM

Quote:

Originally Posted by browniesmom622

thanks

here what i was just thinking what if you have a puppy and someone buys the puppy that has lots of money and will give the pup a great home then a year later she goes bankrupt and is completely broke and can not afford the vet care and food then what ?

Well let's hope they would find someone to help them, or find a home with a family member, so they can always be a part of him/her. I'm sure if you put out a post here and said you could'nt care for your baby, there would be lots of open homes, and baby or not, you would still be part of YT.

txshopper73 · 09-28-2005, 10:43 AM

Quote:

Originally Posted by browniesmom622

i agree

i also think no matter what pet stores should not exist there just terrible

well, personally, I love pet stores...for chewies, snacks, carriers, brushes, shampoos...etc. But I agree! Pet stores shouldn't sell animals.

txshopper73 · 09-28-2005, 10:45 AM

Quote:

Originally Posted by browniesmom622

thanks

here what i was just thinking what if you have a puppy and someone buys the puppy that has lots of money and will give the pup a great home then a year later she goes bankrupt and is completely broke and can not afford the vet care and food then what ?

If someone bought one of my pups and then a year later was not able to take care of it. I would hope and offered when sold...they would contact me and I'd take the dog back. A lot of good breeders will do this. It's the ones that aren't very reputable that won't.

Remember Gia? I did not even have her 24 hours and the breeder wouldn't take her back and was screaming at me on the phone. It wasn't pretty and after the yelling, I lost my cool and said some pretty nasty things.

browniesmom622 · 09-28-2005, 10:47 AM

Quote:

Originally Posted by txshopper73

well, personally, I love pet stores...for chewies, snacks, carriers, brushes, shampoos...etc. But I agree! Pet stores shouldn't sell animals.

me too

REDFROG · 09-28-2005, 10:56 AM

Quote:

Originally Posted by rrosenberry

First of all,,,petstores/ Petland...

and what happens when unknowing people buy a petstore/ puppymill pup.. ON CREDIT,and 2-3 week they have stacks of vet bills for their sick dog,then the pup dies,,, But, I'm sure Petland goes through a credit company,,and they already have their money,, when the people stop paying on a dog that is dead. And the puppymills continue to supply them more dogs,,,to get on credit. Not a good idea for petstores,,imo.

They do go thru a credit co. A company called Beneficial handles the actual financing.
Quote from the paper.

"If you don't make your payments, no repo man will come for your canine, but there'll be a black mark on your credit. And if the dog dies? that's worth 25 percent off a new one."

They sold a Boston Terrier to a group of 5 college girls who had to combine all their credit and get 2 co-signers. who does the puppy really belong to? Who will be the one to care for it after school is over. I'm sure Petland does not care, they made a sale.

PrinceAmos · 09-28-2005, 10:59 AM

That is so sad

txshopper73 · 09-28-2005, 11:01 AM

Quote:

Originally Posted by REDFROG

I'm sure Petland does not care, they made a sale.

EXACTLY! I've never been to a Petland but from everything I've read and heard, I don't care to.

REDFROG · 09-28-2005, 11:01 AM

If anyone wants to read the story go to tallahassee.com under more local news. The story is titled Terms of Endearment.

krystenah · 09-28-2005, 11:29 AM

I don't think it is fair to say if you can't afford to buy the pup.. then you can't afford to pay the vet bills. I didn't have a lot of money growing up.. but that didn't stop me from loving animals. I think there is a huge difference in not being able to pay 1,000.00 all at once.. and saying if they can't pay that.. they can't afford to pay 35.00 vaccinations. Our breeder let us make payments on Chloe.. of course it was from the day she was born, and we had to have the last payment when she was 8 weeks old.. but nonetheless we wasn't able to just pop out 1,000.00 out of nowhere.. we paid a little out of our check each week and my husband worked overtime.. (which he would do if they got very sick and needed lots of money) BUT just because we couldn't afford to get her without making payments.. doesn't mean shes done without. She eats science diet. She has all vaccinations, is spayed, and recently caught coccidiosis and was immediately taken to the emergency clinic (it was a saturday). She has toys, bones, and even lots of clothes. Actually a lot of times, we do without.. just so I can buy her and my other yorkie cute clothes lol. I do agree though that people shouldn't get their pets from pet stores..my aunt had a lot of problems with 2 animals she got from there. But once again just because we sometimes can't afford 1 grand up front or more.. doesn't mean we don't love animals and wouldn't do our best to do everything for them!

YorkieLady · 09-28-2005, 11:43 AM

It is a lot easier to come up with $200-500 for an emergency trip to the vet's office than it is to come up with $1500 to purchase a furbaby.

I personally have been fortunate enough that I have bought from breeders who were willing to let me make small monthly payments to have a puppy paid off by time for it to leave its mom. They understood that most people don't have that kind of money, but should not be denied owning a Yorkie and giving it a great home due to financial status. ( A yorkie living in a 2 bedroom, 1 bath home with a small fenced in yard can have a better life if its owners love and care for it than a yorkie living in a mansion with an owner who only bought one for the trend of it....)

I have 2 yorkies (I saved for one and the other was a gift) and I would sell whatever it took to provide care for them if an emergency came up. Luckily, yorkies sell for $500-800 around here, not $1000-1500. If they did, I would not be able to afford one unless a sympathetic breeder worked with me on payments.

feminvstr · 09-28-2005, 12:13 PM

Quote:

Originally Posted by YorkieLady

I personally have been fortunate enough that I have bought from breeders who were willing to let me make small monthly payments to have a puppy paid off by time for it to leave its mom. .

In my orgonal post I mentioned payments can be made while the babies are with us but, the baby will not be released until he/she has been paid in full.

I think what Lenora is saying (correct me if I am wrong) is a breeder allowing the adoptee to have the baby at the 12 weeks (only partially paid for) continuing to make payments until the baby is paid off. IMHO I think that is a lot to ask for from a breeder. I stand by if you cant afford to adopt the baby in full before it is released to you, there is a chance the proper care would not be given. I will not take that risk!

Lenora I have a clause in my contract that states if baby is to be re-homed and or can not be properly cared for I be notified and would have first right to taking him/her back. All adoptees must agree to that. Before it wasnt so specific but it is now I thank you for that!

lily · 09-28-2005, 12:16 PM

Quote:

Originally Posted by feminvstr

Payments are not an option with me, I have the belief if you cant afford the kid then you cant afford the proper care. As well we all know these pups are not inexpensive providing the quality essentials, what happens if they cant afford a vet bill? Hesitate taking them to a vet because of finances? The slightest delay in the proper care can risk the little ones life, I for one could not live with myself if one of my kids were lost because of someones inability to pay for quality food or care.

I take deposits shortly after the crucial 2 week period, then the adoptee has 10 weeks to pay for the baby in full.

I total agree with you! My don't leave tell they are payed in full ! lily

YorkieLady · 09-28-2005, 12:19 PM

I agree that they should not leave until paid for -- no doubt about that. I still do not think its fair to assume if a person can't cough up $1500 then they can't afford routine care. That is very judgemental, IMHO. I made payments on my yorkie and have been able to keep up the vet visits with no problem.

sylvan · 09-28-2005, 12:20 PM

I don't think I made my point well so I am going to try again with a bigger picture...No one comes to my door with a wad of cash and says, hi I want a puppy....This is a process. A long process generally where I am contacted for info, I provide the info and start asking questions. Answers are given and then we begin a dialog. I may ask for references. I will expect you to come visit. I will provide you with an information packet with care, home prep and training instructions. I will expect you to actually read it. I may come visit you to see what your home is like or meet your other critters. Then you will probably be waiting for quite awhile 'til pups are ready to go home. This all usually takes months since I have a waiting list and do not have pups all the time. I do not take deposits or have people make payments since I am not a bank, nor do I want to be one. I do not ask your annual income, or only release pups to the wealthy, but I feel that if you are not dedicated/responsible enough to wait until you have the money saved up(without my assistance) to get your pup, then you need to get one from someone else. Profit schmofit has nothing to do with it. I have well over 20,000 invested in my dogs, I will not be seeing profit for years to come, if ever. This is not a business. If it was I oughta file for bankruptcy.
I do not wish to seem harsh, or anti-american, but I was raised to believe that you don't buy something unless you have the money for it. Now, obviously financing is a necessity for things like a home or car, but not what is in my opinion, a luxury item. Someone who was just looking for a fashion accessory would not make it through my first round of app questions, so that is a non issue. I do however have a contract stipulation that requires you to return the dog to me at ANY point in it's life that you can no longer care for it. So, if you go bankrupt and can't care for your dog, bring it back. The welfare of my dogs is my first priority.

Browniesmom, I am sorry if I hurt your feelings with what I had posted. That was not my intention.

09-28-2005, 10:39 AM	#31
rrosenberry & Bailey & Bella Donating Member Join Date: Mar 2005 Location: Ohio Posts: 8,164	First of all,,,petstores/ Petland... and what happens when unknowing people buy a petstore/ puppymill pup.. ON CREDIT,and 2-3 week they have stacks of vet bills for their sick dog,then the pup dies,,, But, I'm sure Petland goes through a credit company,,and they already have their money,, when the people stop paying on a dog that is dead. And the puppymills continue to supply them more dogs,,,to get on credit. Not a good idea for petstores,,imo. __________________ Rhonda, Bailey, Josie and my angel Bella Rue' "Until one has loved an animal, a part of one's soul remains unawakened." ~Anatole France~

09-28-2005, 10:59 AM	#37
PrinceAmos Senior Yorkie Talker Join Date: Nov 2004 Location: Lake Norman, NC Posts: 128	That is so sad __________________ Erica, Amos, & Lexy Amos http://www.dogster.com/pet_page.php?i=199021&j=t Lexy http://www.dogster.com/pet_page.php?i=199031&j=t

09-28-2005, 11:29 AM	#40
krystenah YT Addict Join Date: Mar 2005 Location: Arkansas Posts: 386	I don't think it is fair to say if you can't afford to buy the pup.. then you can't afford to pay the vet bills. I didn't have a lot of money growing up.. but that didn't stop me from loving animals. I think there is a huge difference in not being able to pay 1,000.00 all at once.. and saying if they can't pay that.. they can't afford to pay 35.00 vaccinations. Our breeder let us make payments on Chloe.. of course it was from the day she was born, and we had to have the last payment when she was 8 weeks old.. but nonetheless we wasn't able to just pop out 1,000.00 out of nowhere.. we paid a little out of our check each week and my husband worked overtime.. (which he would do if they got very sick and needed lots of money) BUT just because we couldn't afford to get her without making payments.. doesn't mean shes done without. She eats science diet. She has all vaccinations, is spayed, and recently caught coccidiosis and was immediately taken to the emergency clinic (it was a saturday). She has toys, bones, and even lots of clothes. Actually a lot of times, we do without.. just so I can buy her and my other yorkie cute clothes lol. I do agree though that people shouldn't get their pets from pet stores..my aunt had a lot of problems with 2 animals she got from there. But once again just because we sometimes can't afford 1 grand up front or more.. doesn't mean we don't love animals and wouldn't do our best to do everything for them! __________________ Benji and Chloe

09-28-2005, 11:01 AM	#39
REDFROG Senior Yorkie Talker Join Date: Apr 2005 Posts: 203	If anyone wants to read the story go to tallahassee.com under more local news. The story is titled Terms of Endearment.

09-28-2005, 11:43 AM	#41
YorkieLady BANNED! Join Date: Aug 2005 Location: Muscle Shoals Posts: 361	It is a lot easier to come up with $200-500 for an emergency trip to the vet's office than it is to come up with $1500 to purchase a furbaby. I personally have been fortunate enough that I have bought from breeders who were willing to let me make small monthly payments to have a puppy paid off by time for it to leave its mom. They understood that most people don't have that kind of money, but should not be denied owning a Yorkie and giving it a great home due to financial status. ( A yorkie living in a 2 bedroom, 1 bath home with a small fenced in yard can have a better life if its owners love and care for it than a yorkie living in a mansion with an owner who only bought one for the trend of it....) I have 2 yorkies (I saved for one and the other was a gift) and I would sell whatever it took to provide care for them if an emergency came up. Luckily, yorkies sell for $500-800 around here, not $1000-1500. If they did, I would not be able to afford one unless a sympathetic breeder worked with me on payments.

09-28-2005, 12:19 PM	#44
YorkieLady BANNED! Join Date: Aug 2005 Location: Muscle Shoals Posts: 361	I agree that they should not leave until paid for -- no doubt about that. I still do not think its fair to assume if a person can't cough up $1500 then they can't afford routine care. That is very judgemental, IMHO. I made payments on my yorkie and have been able to keep up the vet visits with no problem.

09-28-2005, 12:20 PM	#45
sylvan YT 2000 Club Member Join Date: Jun 2005 Location: Eastern PA Posts: 2,484	I don't think I made my point well so I am going to try again with a bigger picture...No one comes to my door with a wad of cash and says, hi I want a puppy....This is a process. A long process generally where I am contacted for info, I provide the info and start asking questions. Answers are given and then we begin a dialog. I may ask for references. I will expect you to come visit. I will provide you with an information packet with care, home prep and training instructions. I will expect you to actually read it. I may come visit you to see what your home is like or meet your other critters. Then you will probably be waiting for quite awhile 'til pups are ready to go home. This all usually takes months since I have a waiting list and do not have pups all the time. I do not take deposits or have people make payments since I am not a bank, nor do I want to be one. I do not ask your annual income, or only release pups to the wealthy, but I feel that if you are not dedicated/responsible enough to wait until you have the money saved up(without my assistance) to get your pup, then you need to get one from someone else. Profit schmofit has nothing to do with it. I have well over 20,000 invested in my dogs, I will not be seeing profit for years to come, if ever. This is not a business. If it was I oughta file for bankruptcy. I do not wish to seem harsh, or anti-american, but I was raised to believe that you don't buy something unless you have the money for it. Now, obviously financing is a necessity for things like a home or car, but not what is in my opinion, a luxury item. Someone who was just looking for a fashion accessory would not make it through my first round of app questions, so that is a non issue. I do however have a contract stipulation that requires you to return the dog to me at ANY point in it's life that you can no longer care for it. So, if you go bankrupt and can't care for your dog, bring it back. The welfare of my dogs is my first priority. Browniesmom, I am sorry if I hurt your feelings with what I had posted. That was not my intention.