I no the answer been there done that .
If you dont pay they wait , then they start phoning your phone several times day/weekly , then they write to you with wanting payment or bailiff threats .
Paypal then Sell the account to a debt collection agency and they hire a court baliefs
Then they send in beliefs.
Beliefs now own your account and they bug you to shit phone/letters/bangining on your door , till you pay .(( added intrest daily))
Can get darker where they do get in your home and take everthink away for the bill money.
TV, sofa,fridge,car,radio, anythink all go to action and sold for silly money
New tv £50 to £100 usually sell for 10% of real value.
This is uk way .
Ps.
If you are working they ask the judge to add a order on wages or bank money till funds are clear .
Sometimes get even darker , the beliefs get a fraud squad to investigate your finances for fraud and there real fuckers full tax lockdown all money coming into that home .
You even starve till all accounts are re released children or not .
If you want the solution borrow pay them full stop...
They can put you thu hell.
In the uk you can run to citizens advice and go bankcrupt immediately and your get a bankrupt cert from court, that will stop all finance companys taking any cash from you , but you are not allowed to trade or earn cash for 5 years or have any bank accounts or do business , when you get a job in mean time or afther 5 years you pay back the money , if you are unemployed for 5 years and afther the debt get crashed . Many take unemployed route and end up on benefits rest of there life .
My case was a general fuck up my end , I councell my credit card but didn't think about what was owed on the account and who with , so I went thu it all thinking I was being scammed ignored everythink till my personal account got frezed , when I found out the mistake of course I paid immediately.