Anywhere you would have the right to run to the court and sue. Also the right to report the money missing to the criminal authorities. Hard to get money from a turnip. Just because another party offered to settle. The other party has no duty to accept the offer of settlement. If the money or service is important to you? Always read the contract and know who you are really doing business with. Hotels and vacation rentals fail and go out of business all the time. Fraud is Still Fraud... Theft is still Theft... "Caveat emptor ("let the buyer beware") is a common law principle placing the burden on buyers to inspect goods or property before purchase, assuming risk for defects unless a warranty exists or fraud occurs. While still relevant in real estate ("as is" sales), it is heavily limited by modern consumer protection laws, mandatory disclosures, and implied warranties of quality."