My paypal account is negative $3000. Will anything happen?

[Dmshark25]

Originally Posted by gosunsplease

But would'nt they be able to get that info from your bank account that you have tied into your stealth account? Or would they have to get Law Enforcement involved to get that info. Just a thought

Eventually they could get a judge and a writ of execution to freeze your bank accounts, but that is like 3 years down the line of being harassed by debt collectors.

The debt will be sold from paypal to one agency to another and so on for years, at that point you can settle for paying 30% of what u owe

But your credit is destroyed in the meantime, the OP stated it was not a Stealth Account so they have the real name

And after a couple years it will finally be passed to a judge and your accounts can be frozen, and not just the one account but any under your social until the debt is cleared

[bluejet]

Originally Posted by Dmshark25

Eventually they could get a judge and a writ of execution to freeze your bank accounts, but that is like 3 years down the line of being harassed by debt collectors.

The debt will be sold from paypal to one agency to another and so on for years, at that point you can settle for paying 30% of what u owe

But your credit is destroyed in the meantime, the OP stated it was not a Stealth Account so they have the real name

And after a couple years it will finally be passed to a judge and your accounts can be frozen, and not just the one account but any under your social until the debt is cleared

Yes, but they don't have my social security number, so according to some people here, I should be in the clear, right?

[rsot]

Originally Posted by bluejet

Yes, but they don't have my social security number, so according to some people here, I should be in the clear, right?

We aren't here to give advice on avoiding balances....

[BiN4RY]

Originally Posted by Dmshark25

Eventually they could get a judge and a writ of execution to freeze your bank accounts, but that is like 3 years down the line of being harassed by debt collectors.

This is a very, VERY difficult process especially if Paypal (or any other company for that matter) do not have any real identifying information about you. Having a bank account number alone doesn't mean much.

The only way your asset can be frozen by court order in our context here is if you actually lost a lawsuit against Paypal/eBay already, and you haven't been paying your reparations/settlements. Even in such scenario, the process of getting your assets frozen is still quite a daunting task for them.

Originally Posted by Dmshark25

And after a couple years it will finally be passed to a judge and your accounts can be frozen, and not just the one account but any under your social until the debt is cleared

I'm not a lawyer, but I don't think this part is true. AFAIK, debts passed through collection agency's worst case consequence is to have your credit score ding'd. You need to be sued at the very least in order to have your bank frozen by a judge.

[Callidus]

Why you even discussing it?

Pay what you owe or speak to PayPal to prove you have been scammed with proof of delivery.

The fact you have done neither shows that you MAY be the scammer and unfortunately this forum doesn't cater for such person.

[yotano211]

Originally Posted by secret storm

Once your in court im sure you will get law enforcements attention by using a name that was not your own when having a stealth account and using a bank account and mailing items with a stealth name that is not yours is mail fraud and wire fraud.

So Ebay/Paypal will stair step you to that point.

Im sorry you were not smart enough BiN4RY to put 2 in 2 together.

I dont know what are you talking about but using stealth is not mail fraud or or wire fraud.

Using made up names (stealth) is a grey area of the law but not committing any crimes. If you use another person SSN or real ID, that is some kind of fraud. But using stealth names is not.

Sorry, I kinda laughed at the respond.

[BiN4RY]

Originally Posted by yotano211

I dont know what are you talking about but using stealth is not mail fraud or or wire fraud.

Using made up names (stealth) is a grey area of the law but not committing any crimes. If you use another person SSN or real ID, that is some kind of fraud. But using stealth names is not.

Sorry, I kinda laughed at the respond.

He just really doesn't want to be wrong it seems

[oompaloompa]

paypal know he has been scammed, if they have been contacted with tracking signature and if it was a paypal dispute he probably could have had a chance of winning but a chargeback has been made and paypal either fought it and lost or did not lift a finger to fight it....

why dont you just wait and see what happens - if anything, rather than just paying it up front.....

whilst I understand both sides of the arguement, if you have proof of delivery and anything catches up with you, I see that as a very potent defence. You must however give paypal the chance to submit this proof to the bank, if they do not do this, it is out of your hands, as you do not have access to the buyers bank details, it is paypals job to at least pass this to them......

[Bunneh]

Originally Posted by bluejet

Yes, but they don't have my social security number, so according to some people here, I should be in the clear, right?

Easy for them to get it from your credit file. They just need your name, address and date of birth to file debt against you.

[gosunsplease]

Originally Posted by Bunneh

Easy for them to get it from your credit file. They just need your name, address and date of birth to file debt against you.

Yeah but are they even going to go through that for 3000 bucks? Yes it is alot but in reality how many scams/scammers are out there on Ebay doing this every day from Buyers to Sellers. My opinion on this is that Paypal jwill just right it off as a lost and will keeping on making alot of money from the true seller/buyer. Just my opinion

[wtfebay]

Paypal will do nothing to fight the chargeback for you. You are out the $3k. They'll send it to collections...from there, you probably know the drill.

[Bunneh]

Originally Posted by gosunsplease

Yeah but are they even going to go through that for 3000 bucks? Yes it is alot but in reality how many scams/scammers are out there on Ebay doing this every day from Buyers to Sellers. My opinion on this is that Paypal jwill just right it off as a lost and will keeping on making alot of money from the true seller/buyer. Just my opinion

maybe you need to look at the bigger picture..

This may be $3000 to you, but to paypal if they let EVERYONE get away with owing $3000 what will happen to them?

I am absolutely certain, that when you open a case on paypal OR file a charge back against someone, you are STILL asked to provide tracking to prove your innocence.
They do this to decide whether THEY fit the bill or YOU do.

The fact the OP keeps deflecting from this that i have asked him speaks volumes.

Just saying..

[james13v]

Originally Posted by muzzie

Let me put a nasty observation of my friend, who is a huge and old ebay trader. When someone scams him on EB, he does not fill any claims, whine or something like that, as we all know, it is useless to claim something on EB as a seller. He just uses his numerous stealths to scam someone else to cover the losses. It sounds rough, but this is how EB works nowadays.

That's not how ebay works, that's how low lifes work. Tho I guess ebay can be lumped in with low lifes like your friend. Jeez, not even an eye for an eye. Someone pokes out his eye, so he picks a random person and pokes out their eye?

[yankee]

Originally Posted by james13v

That's not how ebay works, that's how low lifes work. Tho I guess ebay can be lumped in with low lifes like your friend. Jeez, not even an eye for an eye. Someone pokes out his eye, so he picks a random person and pokes out their eye?

great analogy!

[jeffweico]

Originally Posted by kingdomcome84

Your 20 years experience hasn't been enough. For a debt to be successful placed on your credit report, Full first, middle and last name, birthdate and SSN is required. if the institute doesn't have all 3, that dept will never appear on his credit report.

That is to PLACE a debt on a credit report, not to RUN a credit report. And even if they do not have your Social Security number, they can GET IT, just by running your report. Or, they could even use a system like Accurint.com - they will sell anyone with permissible purpose all of your location information, SSN, DOB, registrations and other stuff for A QUARTER!

As for your insult, I have written algorithms used by Trans-Union that are still in use today. And, by the way, middle names are NOT required. Neither are dates of birth.

[fernendo]

In my experience companies like Paypal will happily sell your debt onto collection agencies however for a variety of legal reasons these debt collection companies have virtually no power and don't issue court proceedings however they are very very good at making you scared and giving you the false belief that they will do all kinds of nasty things like court action or send a bailiff with a lock smith but in reality it's all a scare tactic, create as much fear as possible game.

[jeffweico]

Originally Posted by muzzie

I wonder, what amount of money should be taken from PP in order to transform such case to a criminal one?

It is not about a dollar amount. If PayPal feels that fraud is involved, they will turn the case over to law enforcement. If their investigation finds fraud, then it is turned over to a government prosecutor and criminal charges are filed.

But this is not fraud. It is just a civil dispute. Even if the amount was a million dollars, it would still be just a civil dispute. Of course, a transaction for that much money would never be handled by PayPal in the first place, and there would have been a contract for the sale in place before any money or merchandise changed hands, laying out just about every possibility.

[jeffweico]

Originally Posted by fernendo

In my experience companies like Paypal will happily sell your debt onto collection agencies however for a variety of legal reasons these debt collection companies have virtually no power and don't issue court proceedings however they are very very good at making you scared and giving you the false belief that they will do all kinds of nasty things like court action or send a bailiff with a lock smith but in reality it's all a scare tactic, create as much fear as possible game.

Just about the ONLY thing that a collection agency can do to you is to report your debt to the credit bureaus as a collection account. Many agencies - at least here in the US - actually DO refer cases to law firms for legal action if they think you have assets to cover the debt, or a garnishable job.

Collection agencies here are VERY TRICKY! They cannot legally threaten you with any actions they do not intend to take, so they come up with misleading language to try to fool you. For example:

"If you don't pay this by the end of the week, we are going to sue you." becomes "If this bill isn't paid then we will have no choice but to turn it over to our legal department for further action."

What does "further action" mean? It could mean ANYTHING. It could mean they will send you another letter. It does not mean that you will be sued. Likewise "legal department" could mean anything. If they say they are going to tun it over to an attorney and then fail to do so, you can sue them under the FDCPA.

Some agencies routinely violate the law (usually these are the debt buyers, not the mainstream collection agencies) and just write off the fines as a cost of doing business. Their collectors leave messages telling people to call them back at the police department, or say to call Mr. Weathers, the fraud investigator and give a number. They lead people to believe they will be arrested - or sometimes even deported - if they don't pay their debt.

But that is complete bull! NO collection agency can have you arrested. Police departments generally do NOT involve themselves in the collection process.

There is ONE exception to that. Writing bad checks CAN get you arrested and the police MAY be involved in such cases. For this to happen, the check must be written under the premise that the money is currently available in the account. For a while, payday loan companies were trying to use the bad check laws as a collection tool to have people arrested who didn't pay their loans. But the courts have ruled that illegal. The reasoning was, payday lenders are NOT protected under the bad check laws because they KNOW that there is NO MONEY in an account at the time the check is written.

If you are ever harassed by a collection agency that is threatening you with a lawsuit, tell them fine, please give me the name and phone number of the attorney, so I can speak with them. Usually,they will change their tune quickly, or at least you will be entertained hearing them tripping all over themselves to explain why the cannot do that.

If they threaten you with arrest, tell them "you DO know that I am recording this call, right?" and see how fast they either backpedal or hang up.

BOTTOM LINE: The TWO THINGS a collection agency can legally do in the USA is to place the debt on your credit report and recommend to their client that they turn the account over to an attorney to sue you. THAT IS IT! That is ALL they can legally do.

[secret storm]

Originally Posted by BiN4RY

Right, because that clearly matters when the context of the whole thread revolves around having real name and address on file in the first place. Good luck having eBay/Paypal tracking you down to serve you papers for debt if they don't have any of your real info in the first place.

Gotta love your pretentiousness

Im really starting to think BiN4RY that you are too arrogant to know or learn anything or that you are drinking to much of the kool aid to face the facts.

I can't believe that you're not smart enough to connect the dots my friend.

All it takes for Ebay to find out who you are is by getting a court order to look at the bank account information that is attached to the Paypal account.

Banks don't exchange that information to Paypal unless they have a court order

If you are using someone else's bank account information that is not your own that is Identity Fraud and will land you in even more trouble.

Once Ebay has gone to the trouble to obtain a court order to look at your bank account to find out who you really are at that point Ebay will definitely take legal actions against you and take you to court.

When the court date arrives and you dont even show up the judge will automatically rule in Paypal's favor.

Anything over $500 is a felony in the United States and then the case will be turned over to law enforcement and there will be arrest warrants out for you.

If you do show up for court when the date arrives and you used a different name that is registered with Ebay and Paypal that is not your actual name im sure it will be very conspicuous that you are doing something you shouldn't have and at that point assets will be seized and wages will be garnished.

Everything I just said only happens though if Ebay decides to take that plan of action!!!! That only happens if you have deceived them bad enough or they have linked enough accounts together in the past where you have screwed too many People/Paypal in the past!

[BiN4RY]

Originally Posted by secret storm

Im really starting to think BiN4RY that you are too arrogant to know or learn anything or that you are drinking to much of the kool aid to face the facts.

I can't believe that you're not smart enough to connect the dots my friend.

All it takes for Ebay to find out who you are is by getting a court order to look at the bank account information that is attached to the Paypal account.

Banks don't exchange that information to Paypal unless they have a court order

If you are using someone else's bank account information that is not your own that is Identity Fraud and will land you in even more trouble.

Once Ebay has gone to the trouble to obtain a court order to look at your bank account to find out who you really are at that point Ebay will definitely take legal actions against you and take you to court.

When the court date arrives and you dont even show up the judge will automatically rule in Paypal's favor.

Anything over $500 is a felony in the United States and then the case will be turned over to law enforcement and there will be arrest warrants out for you.

If you do show up for court when the date arrives and you used a different name that is registered with Ebay and Paypal that is not your actual name im sure it will be very conspicuous that you are doing something you shouldn't have and at that point assets will be seized and wages will be garnished.

Everything I just said only happens though if Ebay decides to take that plan of action!!!! That only happens if you have deceived them bad enough or they have linked enough accounts together in the past where you have screwed too many People/Paypal in the past!

What you said are mostly correct here, but is irrelevent of the problem here.

eBay/Paypal themselves are not able to get a court order to reveal your bank's contact information on the basis of you having debts. The most they can do is to sue you for a civil lawsuit over the debt, IF they have your real contact information. If they don't, and they feel they've been defraudded, most they can do is to send the case to law enforcements. Only law enforcements can then issue a court order to reveal your bank info, if they determined you to be guilty of fraud, and if the case is severe enough.

In the case of the OP here, he's not defraudding Paypal and he has his real info on the account. Thus, your extreme case of the situation here is irrelevent.

[olekstom87]

Originally Posted by kingdomcome84

Your 20 years experience hasn't been enough. For a debt to be successful placed on your credit report, Full first, middle and last name, birthdate and SSN is required. if the institute doesn't have all 3, that dept will never appear on his credit report.

Side with this post.
While looking through public recs, sometimes I saw same first, last name and address. Lets say cousins.
What is gonna happen in situation if First, last and DOB are the same on particular address???
Can this info IDENTIFY person 100% ???
Most likey not - they could be twins with same first name. It is quite possible.
Assuming the target does not answer they cannot "take a guess" in such an intimate actions as ****ing up his credit history.
On the other hand SSN is unique number identifying uou

[muzzie]

If account does not have your SSN, and bank attached does not belong to you - they will not do anything, as it would cost more to find you, than your whole debt is.