Paypal problems

I ran an online business with payments through paypal and received a bit of money but and eventually someone who was a repeat costumer, charged back around $115. Since it was online goods and not tangible, I lost the case due to the fact that they filed unauthorized payment within their bank. Since then PayPal has added a -$400 balance to my paypal due to chargeback fees the bank apparently made. So I'm at -400 USD.



I'm 17. I have my bank account attached and minors debit card. My email and adress as well.


I don't have a job, and I'm still in school and won't for quite awhile so I have no way to pay this fee back.
If I do not pay this fee back can they directly withdraw from my bank/debit card, or what else can they do?


What will happen if I don't pay it? Because there is no way I would be able to pay it.

Yes, they can attempt to recover their funds by taking the money from your bank account. They don't always do, but they absolutely can. You should be able to call your bank up and tell them to block any future Paypal transactions from taking place. Explain to them that a buyer committed fraud and Paypal sided in their favor. In theory that should work, but I can't confirm it because I've never been in that situation.

The only way to be sure that they can't take the money from you is to get a new account number, like by closing the old one and opening a new bank account.

If they can't recover their money then they will likely sell the debt to collections. Since you are a minor, you are not legally able to enter into a contract and therefore they can't actually pursue you.

Basically, if Paypal doesn't get their money from you then the account will be limited forever. Your information (name, address, phone, card, bank account number) will be blacklisted and can be used to ban you again should you try to make a new account with the same information.