I recently sold a home theater system to someone, and they disputed their money back, I had already withdrew my money back to my bank account, and spent it on rent for my apartment. I basically got scammed, and now I'm stuck with a debt of $2400. They sent debt collectors after me, I just told them I got scammed on paypal, and I don't want to deal with their BS. I don't plan on paying them....I got the money I deserved. I'm not giving it back. I already mailed to them telling them to NEVER call or send me mail again. Is that it? I happen to be a 16 year old, so I don't even have a credit file right? I don't even have a credit card either. So I'm safe right? I read some articles online saying that you cannot send debt collectors after a minor, and I happen to be one. Any thoughts? Suggestions?