I haven't worked at Adobe, but I have worked at other places with somewhat similar subscription policies, and I highly, highly doubt they would send it to collections:
1. There is an extremely low chance they would collect anything anyway, so it's not worth it to them.
2. If someone actually challenged their collection, there is a good chance, of it went that far, that the judicial system would find this type of agreement invalid given the dark patterns involved.
Basically, what Adobe and other companies are trying to do with these onerous auto-renewal and ridiculous early termination fees is just to make more money from people (a) forgetting to term their subscriptions and (b) not wanting to go through the hassle of fighting the early termination fee.
1. There is an extremely low chance they would collect anything anyway, so it's not worth it to them.
2. If someone actually challenged their collection, there is a good chance, of it went that far, that the judicial system would find this type of agreement invalid given the dark patterns involved.
Basically, what Adobe and other companies are trying to do with these onerous auto-renewal and ridiculous early termination fees is just to make more money from people (a) forgetting to term their subscriptions and (b) not wanting to go through the hassle of fighting the early termination fee.