Q: Bought Fridge & ext. warr 5year (Nov 23) from a Comp who went Chapt 11 in (Feb).

A: The situation you've described does raise some red flags, but it may not necessarily be fraud. Here are a few things to consider:

1. If the company went bankrupt in February, it's possible they didn't transfer the funds to the insurance company (CPS) before filing for Chapter 11. This would explain why CPS doesn't have a record of your policy.

2. CPS asking you to purchase a new policy with the promise of helping you recover money from your credit card company sounds unusual. Typically, if you paid for a service that wasn't provided due to bankruptcy, you would file a claim with the bankruptcy court as a creditor.

3. If you paid for the fridge and extended warranty with a credit card, you may have some protections through your credit card company. Many credit cards offer extended warranty coverage and may be able to assist you directly.

Before purchasing a new policy from CPS, I recommend the following steps:

1. Contact your credit card company directly and explain the situation. Ask about their extended warranty coverage and if you can file a claim with them.

2. Research CPS to ensure they are a legitimate company. Look for reviews, complaints, and any information about their business practices.

3. Consider seeking advice from a consumer protection attorney or a non-profit consumer advocacy group to better understand your rights and options in this situation.

Remember, if something seems too good to be true or feels suspicious, trust your instincts and proceed with caution. Don't let anyone pressure you into making a decision you're uncomfortable with.