A credit card charge-back doesn't leave the buyer off the hook for the merchandise, it just means he gets the money back on his credit card. If the merchant bel

A credit card charge-back doesn't leave the buyer off the hook for the merchandise, it just means he gets the money back on his credit card. If the merchant believes the money is still owed, he is free to pursue the buyer directly for any amount charged back, they can bill you and if you don't pay, send your account to collections or sue in small claims court.