thanks so much for your reply & i appreciate your very detailed and wonderful advisement, but today i professionally hired someone to remove the loveseat and drive with me to a storage facility where it will be stored indoors, then i bought a very comfortable floor sample sofa, and the store rep even removed the entire seat cover so i could see that it was only comprised of all foam and no feathers. then it was loaded on the truck and the driver i hired brought it into my home for me. i am satisfied with this new sofa purchase, and this furniture company also gave me a 1 year warranty.

question: my credit card company told me to keep the sofa available in case collections agency or attorneys want it back, therefore i placed it in storage, but still need to know if there is a statue of limitations of time frame that i must keep it before i can legally discard it. they also said if i kept the sofa i could return it to them instead of paying them. isn't this correct?

also 1 thing i need to know. since the furniture company kept my credit card funds for the extended warranty 5 year service, isn't that illegal, since by doing so my 5 year furniture extended warranty was voided? doesn't that equate to fraud and embezzlement, especially since my furniture invoice specifically displays the description and costs for the sofa purchase and for the 5 year extended warranty under the same single credit card purchase transaction. i believe it is also against credit card policy as well as other various policies to sell a warranty to a customer and then keep their money and not forward it to the warranty company, and tell the customer you still have your additional 5 year warranty if we declare bankruptcy. also when this furniture company declared bankruptcy i automatically lost my one year furniture warranty with them.

can you please also address that as i would really like to know the answer, and again i thank you in advance.