Janet buys a year’s membership in a new spa and exercise gym that has just opened. She pays $500 with her credit card. Less than one month later the business closes its doors, leaving 450 members without a place to work out. The owner, who has vanished, also failed to pay his employees, rent on the building, and payments on his leased equipment. Everyone suspects fraud. According to consumer protection laws, what recourse might Janet have under the circumstances?