Here's the thing regarding chargebacks - unless the card was stolen activating a chargeback does not invalidate one's obligation to pay. Most of the time companies let it slide - I don't honestly understand that as a chargeback is the equivalant of cancelling a check - something a company would definitely look into and go after. To activate a chargeback the consumer is telling the CC company that there was a fraud involved, either they were refused a refund or the product was not what it appeared or someone stole their card. If their card was stolen or purchases made through fraud than they should have cancelled the card, if not and they did not contact the store/company they were paying and follow their procedures than their fraud still requires that they pay up. In other words it could go to court in the same way as a cancelled check, but in general companies don't do that shrug.

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I do not feel obliged to believe that the same God who has endowed us with sense, reason, and intellect has intended us to forgo their use.
-Galileo