Frost Bank here in Texas will do it, but Chase would not, for example.

I prefer not chasing higher returns vs having pride in what I own. 

AND most importantly, we LOVE what we do, we do it for our passion and happen to make good $ for it, unlike the other 99.2% chasing dollars, this matters because we value YOU far more than any 1 deal, it's 1 piddly deal, we will have 3 more next week, so why bother to steal 1 deal over the relationship.Other Pro's, we have a list of ready buyers of every kind, and can lend that insight of what ___ would pay you for that deal, possibly even set the exit before you get into it.

I don't know about you, but I'm not going to chase someone down legally for $100-$300 in damages which is probably the average cost when a problem occurs.

It's a big problem but in your case, I'd ask for the furniture as compensation because clearly he has no money to pay you and even trying to create a payment plan (even if he agreed to it), means you're chasing him around to get the money. 

While you're looking at your current situation, be sure that you don't step over dollars to chase down pennies.

Or am I just chasing this too much?

That said, don't chase perfect.

Chase your passion. 

Chase Bank, I was very happy with the process.