You must send your full name, address, and phone number when requesting lay-away. When payment is received (PayPal is the preferred method of payment), a hold will be placed on the item. If a check or money order payment is not received within 5 business days, the item will be placed for sale again. If an item is partially paid for, and 2nd is not received within 5 business days of due date, the money paid will be forfeited and item will be put back up for sale. No returns or exchanges on lay-away. And once you start a layaway, you can't apply the amount to something else.