What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
If a furniture store closes before your furniture arrives, save every order and payment record, make a written refund or delivery request, and contact your payment provider promptly. If you paid by credit card, a written billing-error notice may have a short deadline. Also check whether the retailer actually filed bankruptcy: a closed shop is not proof of a bankruptcy case, and a card dispute and a bankruptcy claim are separate processes.
Start by preserving your records
Gather the signed sales contract or order confirmation, item description and price, promised delivery date, receipts, payment statement, any store-financing or buy now, pay later (BNPL) agreement, and messages about delays, closure, cancellation, or refunds. Keep copies and note the dates and names of any calls. These records can help explain a payment dispute or support a claim in court or a bankruptcy case. The FTC recommends collecting receipts, contracts, statements, and related records before trying to resolve a problem with a business (FTC guidance on resolving problems with a business).
As an Amazon Associate I earn from qualifying purchases.
Ask the seller for a refund or a specific delivery resolution
Use the official contact information on your order, receipt, store website, or closure notice. Write to the seller and ask for either a refund to the original payment method or a clear, firm delivery resolution. Keep a copy of the request and proof that it was sent. If an official notice identifies a parent company, successor retailer, or administrator, send the request there too; do not assume an unverified company or contact is legally responsible.
Do these 3 things before closing this tab:
1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsIf you ordered online, by phone, or by mail
The FTC’s merchandise rule generally requires a seller to ship within the promised time or, if no shipping time was stated, within 30 days. In covered delay situations, the seller must offer the option to cancel and receive a full refund. The FTC says a refund must be money returned, not merely store credit or a gift card (FTC guidance on orders that never arrive). The rule covers most remote orders; do not assume it applies to an in-store purchase.
#1 Best Overall
- No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
- Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
- Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. If we can’t repair it, we’ll send you an Amazon e-gift card for the purchase price of your covered product or replace it.
- Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
- Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.
Choose the payment route that matches how you paid
| Payment or situation | What to do | Important limit |
|---|---|---|
| Credit card | Contact the card issuer and send written notice to its billing-disputes address. | The general billing-error notice period is 60 days after the first statement showing the charge was sent; act promptly. |
| Debit card | Contact your bank or card issuer and ask how to dispute a charge for furniture that was not delivered. | Debit-card protections differ from credit-card protections, and a refund may not be available. |
| Store financing or third-party BNPL | Contact the named lender or provider, review the agreement, and ask how to report non-delivery. | Third-party BNPL rights differ from credit-card billing-error protections. |
| Bankruptcy case | Read the case notice and follow its instructions and deadlines. | Whether you need to file a proof of claim, and whether you will receive money, depends on the case. |
If you paid by credit card, notify the issuer in writing quickly
The Consumer Financial Protection Bureau (CFPB) says a charge for merchandise you did not receive or accept may be a billing error. To preserve the Fair Credit Billing Act (FCBA) billing-error process, send written notice to the issuer’s billing-disputes address within 60 days after the first statement showing the charge was sent. Calling or using the issuer’s online portal may also help, but the CFPB emphasizes written notice. Keep a copy of the letter and proof of delivery. See the CFPB’s credit-card refund guidance, last reviewed May 15, 2024.
If you have not fully paid, a separate, conditional right may let you withhold the remaining amount of a qualifying credit-card purchase. The CFPB says the conditions include making a good-faith effort to resolve the issue with the seller, buying in your home state or within 100 miles, an item price above $50, and a balance that has not been fully paid. These conditions do not apply automatically to every transaction or financing arrangement.
Rank #2
- No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
- Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
- Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. We will send you an e-gift card for the purchase price of your covered product. In some instances, we will replace or repair it.
- Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
- Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.
If you used debit, store financing, or BNPL
Contact the bank, card issuer, lender, or BNPL provider promptly and ask for its non-delivery dispute process. The FTC notes that debit-card protections differ from credit-card protections, and a refund may not be available (FTC guidance on resolving problems with a business). CFPB guidance also distinguishes third-party BNPL from credit-card billing-error protections. Review the applicable account agreement, and do not stop required payments solely because the store closed; ask the creditor what to do while the dispute is being reviewed.
Check whether the retailer filed bankruptcy
A closed storefront or website does not by itself establish that the retailer filed for bankruptcy. Look for an official case notice or search the relevant bankruptcy court’s case information using the retailer’s exact legal name. If you find a case, read the notice carefully for the debtor, case number, deadlines, and instructions. Consider consulting a qualified bankruptcy attorney if you are unsure how the notice affects you.
Rank #3
- No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
- Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
- Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. We will send you an e-gift card for the purchase price of your covered product. In some instances, we will replace or repair it.
- Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
- Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.
Official Form 410 is used to make a claim for payment in a bankruptcy case. It asks for supporting records, which may include purchase orders, invoices, and contracts. Whether a proof of claim is necessary—and whether a customer will receive any distribution—depends on the specific case. The U.S. Courts’ Official Form 410 page lists the form as updated April 1, 2025, and effective December 1, 2024. A bankruptcy claim is not the same as a credit-card billing dispute; check and meet any requirements that apply to each process.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Escalate if the seller or payment provider does not resolve it
Ask your state attorney general or consumer-protection office about complaint or dispute-resolution options. The FTC identifies state offices as a consumer resource, but procedures and applicable rules vary by location (FTC consumer guidance on problems with purchases). Your state, order channel, payment method, and account terms can affect which remedies are available.
Quick Recap
Best Value
- No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
- Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
- Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. If we can’t repair it, we’ll send you an Amazon e-gift card for the purchase price of your covered product or replace it.
- Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
- Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.
Rank #4
- No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
- Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
- Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. If we can’t repair it, we’ll send you an Amazon e-gift card for the purchase price of your covered product or replace it.
- Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
- Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
Quick wins for a faster PC:
Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Repair Windows errors before they cause bigger problemsFix Now →Scan for outdated or missing drivers - takes under a minuteDriver Scan →
