Let's be clear here, no agency can physically take your baby from you. If you elect not to go through with the adoption, that's your choice. If, however, you sign an agreement and receive these payments, they can (and will) demand that you repay every penny - you don't get to take the money, change your mind, and then walk-away without some kind of consequence. Here, it will be a financial consequence - you'll owe a lot of money.
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I agree with my colleague. If you have questions, I would make an appointment with the agency and ask all questions. There is a legal obligation to have an attorney explain all of your rights so you know and fully understand what you are giving up. Good luck.
The payment of living or medical expenses by the prospective adoptive parents before the birth of the child does not, in any way, obligate the parent to sign the consent for adoption.
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