I think the fear of a "chargeback blacklist" is overstated here. Anyone can easily apply for another credit card, add an authorized user to their existing card, or use any card masking service to change their payment information. Chargebacks exist exactly for situations like this. I've never had issues with any shared blacklist after filing chargebacks against shoddy businesses. You must be ready to cut off contact with the business you are filing against, in case they refuse to do business with you in the future, but that's not a problem here because it looks like Facebook has already cut the OP off.

You don't need a lawyer to go to small claims court. OP can get free legal advice through a local self-help program or an inexpensive legal consultation through a local bar association program if they want to, but paying for legal assistance is certainly not mandatory.

You don’t need a lawyer to issue a chargeback.

Agreed about the FB blacklist though. Sometimes I think I should set up a bunch of shell LLCs for my consumer accounts.