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Or simply issue a chargeback, or change your card to a virtual one without any funds on it.

When I tried this a couple of years ago with them - they sent debt collectors for the remaining balance (I am in the UK).

In this case, you tell them to either settle for $0 or you sue for breach of contract.

Why would a debt collector who bought the "debt" for pennies on the dollar care about a contract issue with someone who isn't them?