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I think waiting4amiracle's post was right on.
We went through an agency and, as far as I know, e-moms weren't able to get any money from them either pre or post-placement (though maybe it would be different depending on a bmom's finances).
I know for sure in our state, we would not have been able to recoup any money we gave pre-placement should the adoption have failed. We could claim it as part of our adoption expenses on our taxes, but you can only claim a credit for up to $11,000 or so, so it wouldn't have made a very big difference for us (our agency fees alone were much more than this).
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