I paid a month in advance for a food delivery service that I have used in the past. The company disappeared just before the month that I paid for in advance. No e-mail, no phone call, no regular mail...just stopped delivering or answering their phones. I disputed this with
the credit card company and there is an open claim. After I filed the claim, I received an e-mail with copies of many forms as the company has filed for bankruptcy. Will the credit card company continue with my dispute? The company must have known that they were going bankrupt when they accepted my money in advance for a month. Is there a chance that the bank will
The only way to answer this is to call the credit card company and the bank. If your money was taken by fraud you can make a claim in the bankruptcy court
This is an interesting question which I have not run into before. Since the company filed for bankruptcy, there is an automatic stay in place. However, the Fair Credit Billing Act provides that you have 60 days in which to dispute any inaccurate charge. So the question, as I see it is, can the credit card company reverse a charge against a company which is protected by a bankruptcy stay. If you timely filed the dispute in writing with your credit card carrier, I would call them to see what they say. At a minimum, you can file a bankruptcy claim against the estate of the company in bankruptcy. If you are lucky, a claim may bring you pennies on the dollar of what you paid them. Good luck.
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If you can't get relief through your credit card company, you can file a claim in the bankruptcy.
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