I would like to help you out with your question, and I'm not sure if you have listed the property yet. However, in CT in the situation you are in you need to hire an attorney to discuss this situation. I hope that you have shared your concern with your Realtor. Remember, that commissions are negotiable, however, also remember we are in business and have overhead as any business. Get a meeting with your attorney, and your Realtor, and come up with an agreement on how to satisfy your listing agreement criteria. Also, ask your agent if his broker can accept credit card payment, but usually it is paid at closing.
Lastly, any good Realtor should be able to answer your questions and uncommon questions like yours may have to go back to the agents broker for clarification. If that Realtor wants to help you, he/she should do whatever they can to help, and will be honest with you about your situation, market your property at fair market value and before taking the listing will know how they will be paid.
I hope this helps you answer your questions, and I wish you a lot of luck.... more