Maybe somebody can help me. I paid upfront to a dance instructor for a LOT of lessons in order to get a bulk rate. Now the studio is having problems and is talking about closing up. It doesn't sound hopeful as to getting my money back because they say they have none. Any suggestions

That happened to me. My instructor honored ALL of his student's paid lessons. He wanted to KEEP his students and we all followed him to a new location. The only thing we were out was the hourly dance floor fees to the new studio. I think it was only a few of his competitive students who had 20 or so lessons paid up. When your taking 3 or 4 times a week those go fast. Most had way fewer than that.

I would think a good instructor would do this than try to start from scratch somewhere else.

I guess I would go in and take as many of those lessons each week as possible. Then I would ask your instructor would honor any left over lesson so you could follow him to a new location.