NEW YORK - NOVEMBER 17:  A Kmart store layaway associate retrieves a package from a layaway storage area on November 17, 2008 in the Bronx borough of New York City. Retailers such as Kmart are seeing a resurgence in the use of layaway plans to help consumers during the current difficult falling economy. Getty Images logo Getty Images 39 months ago

NEW YORK - NOVEMBER 17: A Kmart store layaway associate retrieves a package from a layaway storage area on November 17, 2008 in the Bronx borough of New York City. Retailers such as Kmart are seeing a resurgence in the use of layaway plans to help consumers during the current difficult falling economy.