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Are you talking about dropping all your items and someone with a lower level picking them up. Then that person summons one of your characters at a lower level drops all the items and you pick them up until your level 20 character has them?
Be not overcome with evil, but overcome evil with good.
Using the red soap stone you can go straight from the 120 to the 20. Do both of your characters have access to the ceaseless discharge boss fight (as in haven't killed him yet)?
I have a level 30 with the RSS that can make the transfer for you. I know this is possible because I did it today. Ceaseless is convenient because there is a very low chance for invasion or passerby's getting in the way.