[tmcz26]

If it’s a purchase using Credit Card, absolutely zero chance of going to collections. That’s not how it works. There’s no legal footing for collections and they are not in the habit of creating legal headaches for themselves.

If however it’s a credit purchase (personal loan, crediário, etc) then it might go to collections, then this advice works.

Online purchases though are 80% credit card and 15% Pix/Boleto so it’s unlikely they got a loan just to buy stuff. If they can get a loan, they’ll get the cash itself and run.

Edit: on a Credit Card transaction the burden of evidence is on the merchant. THEY have to prove it was you.

[rescbr]

Tell this to MercadoPago. Once I did a chargeback on a fraudulent gift card purchase and months later they sent this debt to collections - they didn't report it to the credit agencies, though. It resolved pretty fast once I escalated the issue to the ombudsman.

There's no legal footing, but they will try.