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If you paid by credit card, you can try to recover your funds. I'm not sure where those funds come from. For an ongoing business, credit card company can deduct them from normal cash flow to the company. But in bk, that cash may be hard to come by.

If by debit card, you might be out of luck.

Insurance can be your best shot. It will pay if the trip is cancelled. Not sure about all the fine print exceptions.

Have you collected $$ from your travel insurance?

As to stop payment on check, good luck. Most are cleared electronically as soon as received. Once cleared, can you still stop payment and recover funds? Interesting question.
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