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If a furniture store closes before delivering your order, save your paperwork, ask the seller or any verified successor for a refund or firm delivery plan in writing, and contact your payment provider promptly. Your options depend on how you paid, whether you ordered remotely or in person, whether any balance remains, and whether the retailer filed bankruptcy. A closed storefront alone does not establish that a bankruptcy case exists or guarantee a refund.
1. Save your order and payment records
Gather copies of the documents that show what you bought, what you paid, and when delivery was due. Keep the signed sales contract or order confirmation, item description, receipt, promised delivery date, card or bank statement, financing agreement, and messages about delays, closure, or cancellation. Write down the dates and names associated with calls, and retain copies of any letters and delivery confirmations.
These records help explain a payment dispute and may support a complaint or court claim. The FTC recommends collecting documents such as receipts, contracts, and account statements when trying to resolve a problem with a business (FTC guidance on resolving business problems).
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Use contact details on your order, receipt, the store’s website, or an official closure notice. Ask for either a full refund to the original payment method or a specific delivery resolution, such as a confirmed delivery date. Keep a copy and proof that you sent the request. If an official notice identifies a parent company, successor retailer, or administrator, send the request there as well; do not assume an unverified business or contact is legally responsible.
#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.
If you ordered online, by phone, or by mail
The FTC’s merchandise rule generally requires a seller to ship within the time it promised, or within 30 days if it gave no shipping time. In covered delay situations, the seller must offer a cancellation and full-refund option. The rule generally covers remote orders, not ordinary in-store purchases. See the FTC explanation of orders that never arrive for details on its scope and required notices.
3. If you paid by credit card, contact the issuer quickly
A credit-card charge for merchandise that never arrived or was not accepted may qualify as a billing error. The Consumer Financial Protection Bureau (CFPB) says that to preserve the Fair Credit Billing Act billing-error process, you generally must send written notice within 60 days after the first statement showing the charge was sent. Send it to the billing-disputes address specified by the issuer, not merely to a general customer-service address. Calling or using an online portal can also help, but retain a copy of your written notice and evidence of delivery. The CFPB’s credit-card refund guidance explains this process.
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.
The 60-day period is tied to the first statement with the charge, so act promptly rather than waiting for the store to reopen. Explain that the furniture was not delivered, include the order and delivery details, and attach relevant records. A dispute is not a guaranteed refund; the issuer reviews the claim under the applicable rules.
If you still owe part of the credit-card purchase
The CFPB describes a possible right to withhold an unpaid balance on a qualifying credit-card purchase, but it is conditional. Among the requirements: make a good-faith effort to resolve the problem with the seller; buy in your home state or within 100 miles of your billing address; have an item costing more than $50; and use a credit card. It does not apply automatically to every purchase, financing arrangement, or remaining balance. Review the CFPB’s guidance and ask the issuer how to handle the account while it considers the dispute.
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.
4. If you paid by debit card, store financing, or BNPL
Contact the bank, card issuer, lender, or buy now, pay later (BNPL) provider promptly and ask how to report non-delivery. Explain the closure and provide the order records. Debit-card and third-party BNPL rights differ from credit-card billing-error protections, and a refund may not be available through the same process. Check the agreement for dispute procedures and deadlines; do not assume the credit-card 60-day process applies.
If payments are still due under a financing or BNPL agreement, do not stop paying solely because the store closed. Ask the creditor or provider how to manage payments while the dispute is reviewed, and keep records of its instructions. The FTC discusses differences between debit and credit cards in its consumer guidance on purchase problems; the CFPB also cautions that BNPL not offered through the credit card itself has different rights.
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.
5. Check whether the retailer filed bankruptcy
A closed store or inactive website does not prove that the retailer filed bankruptcy. Look for an official case notice, search the relevant bankruptcy court’s case information under the company’s exact legal name, or consult a qualified bankruptcy attorney. If you find a case, use the notice to confirm the debtor, court, case number, and any deadlines. A similarly named company may not be the entity that took your order.
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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.
6. Choose the next step based on your situation
| Situation | Practical next step | Important limit |
|---|---|---|
| Online, phone, or mail order | Check the promised shipping time and contact the seller in writing; review the FTC merchandise rule. | The rule generally covers remote orders, not ordinary in-store transactions. |
| Credit card | Contact the issuer and send written billing-error notice to its billing-disputes address. | The general notice period runs from when the first statement showing the charge was sent; act promptly. |
| Debit card | Ask the bank or card issuer promptly about its non-delivery dispute process. | Protections differ from credit-card billing-error protections, and a refund may not be available. |
| Store financing or third-party BNPL | Contact the named lender or provider and review the agreement’s dispute process. | Do not assume credit-card protections apply or stop required payments without guidance. |
| Bankruptcy case | Follow the official case notice and deadlines; gather records if a claim is required. | Whether a proof of claim is necessary and whether funds will be distributed depend on the case. |
7. Escalate if the problem remains unresolved
If the seller or payment provider does not resolve the issue, contact your state attorney general or consumer-protection office and ask about complaint or dispute-resolution options. The FTC lists state offices as a resource in its business-problem guidance. Procedures and consumer protections vary by state, so use your state’s official information and consider legal advice for a substantial loss or a disputed bankruptcy claim.
Quick Recap
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.
