My PayPal account is in negative right now because of an item I sold. I shipped the product, and long story short they received it, opened claim with PayPal, and since I don't have actual proof of delivery, I have a balance of -$507. PayPal is a thief and will ALWAYS side with the buyer. They don't look into any claims!! I don't know what's going to happen from here. I haven't signed onto PayPal for months now. I have a negative on my PayPal balance but what happens if I never pay it off? Is it going to collections and effect my credit? Am I screwed and just have to pay them the money and I lose out just to save my credit score?