Also similar situation with credit on account, but larger loss than most are reporting. I would be interested in joining any lawsuit.
HalfOffDepot, nor nCrowd, nor Boomstreet ever communictaed to me they were going out of business. My credit was for a merchant that would not return my calls to redeem garage organizing certificates. HalfOffDepot told me they would just cancel my order (so the money never left HalfOffDepot). Several weeks later when there was no credit on my credit card, I contacted them again and they said a credit was placed on my account instead of the refund.
Dozens of attempts later at getting it resolved and the money was never refunded, but the credit showed up on my account. In my case this was money they were holding...seems kinda like a gift card...so it si not debt, but an assett.
Review about: Ncrowd Account.
Reason of review: Unethical behavior/fraud/theft.
Monetary Loss: $400.
Preferred solution: Full refund.