<prompt> Human: Ill keep it short, but i was selling games, art supplies and digital games I had no idea there where so many scammers I maxed out my limit last month of 3k , spent half of it, well...the past month practically EVERYONE is doing charge backs on me, they are scammers saying that they did not make the sale. so far they have ruled in the favor of the buyers leaving me at about -3k. am not paying it, I spent what was i could before it was all gone. closed my bank account , got a new debit card. do i have to worry about getting taken to court? at what amount do they start looking to take legal action? thanks if you can help!  <response>: Yes, they can take you to court, and they can ruin your credit. Theyll do so over matters of less than a hundred dollars. 