So, I sold something expensive on Amazon and idiotically did not get insurance. It got lost in the mail and I had to refund the buyer. Now my account balance is at a negative and I owe Amazon money. Problem is that I don't have it now. They tried to charge my card but it was denied. What I want to know is what will Amazon do next? I am working on getting the money but it will probably take me a week or two. Will they send me to collections? What is their protocol?