If the final payment was made in december and you used a plastic with MC or Visa Logo, you bought on a scheduled set of payments and the entire amount can be contested. Even better if it was a Credit card. For a debit your window is shorter but you should still be able to do it, just scream bloody murder at the bank, and contact Visa/MC directly.

Discover and AMex should be contacted directly as well. PM me if you need contact informantion, or additional help. I sell merchant Services (credit card processing) you should be able to collect your money back, unless they have gone competely out of business and closed all bank accounts.