I almost forgot. If you lose your money in a Bankruptcy proceeding against Photopoint or anyone else then you'll be at the end of a long line of others and it's doubtful you'll get anything back.

I know first hand. My wife joined a health club 10 years ago soon after we first met. She had a sudden flush of cash and layed out something like $2k or $4k (like I said, I barely knew her). Anyway, the place went belly-up the next day - doors were padlocked. We did the paperwork and went to the Bankruptcy proceeding. Guess how much we got back? Nothing.