| GhostIndeed | 02-11-2018 03:42 AM |
EB return in transit-
A Buyer bought a high value item....8K.
Decided to return (not as the buyer imagined it...
I accepted and provided the buyer with a shipping label, bought outside of Eb directly from the FedX.
Declared full value lable would allow ie $1K. (FedX was told immediately the item is expensive and the shortfall in declared value)
Item is in transit (last 10 days).
Who would be responsible in this situation?
Would be grateful for any advice.
Thank you.
Below is a thread from an older closed thread on collections which I am worried about: I do not want to be out of the refund and the item, both.
Originally Posted by bluejet View Post
He charged back with his credit card months after he got the item. He didn't open a dispute with paypal.
it doesn't matter. I just got word from another forum that says it doesn't matter if they have your real name and address. As long as they don't have my social security number (which they don't) paypal cant do anything but send letters.
They also said $3000 is too small. They will only do something if the balance is like $10,000
I hate to be the one to tell you, but you are totally MISINFORMED. I have over 20 years of experience in the credit and collection industry.
First, they can EASILY get your Social Security Number. One of the big myths out there is that a company cannot run a credit report or sue you without a social security number. But this is not true. You do NOT need an SSN to run a credit report. If the credit bureaus find you by matching on the name and address provided by PayPal or their collection agency, that is enough for them to receive the report. And guess what is ON your credit report? YOUR SOCIAL SECURITY NUMBER!
Will PayPal SUE? I don't know. Usually, collection agencies decide whether or not to recommend that suit be filed on the account. And $3,000 is NOT too small a balance to go after. Whether they will sue or not depends on if they believe they can collect the judgment. Typically, collection agencies want to know where you are working OR want to see that you have a house or other real property that can be liened OR that you have great credit.
Things that will STOP them from suing include the fact that they see judgments in your name for tax debt, child support or lots of other consumer debt. Or, they see that your source of income cannot be garnished, such as social security, welfare or unemployment benefits.
$3,000 is a good chunk of money, they will not just write it off, unless they believe there is no way that they can collect from you. Collection agencies can't do anything to you except to report the debt to the credit bureaus. But they CAN refer your account to an attorney for legal action.
When you signed up for PayPal, you agreed to their terms and conditions. So, the argument that "PayPal is incompetent" is not going to be a winner in court. If you don't show up, they will get a default judgment. If you show up, you will have to provide a valid defense as to why you should not have to pay the money. If you cannot do that, then they will get a judgment.
Once they have a judgment, it will stay on your credit report for at least 7 years and in some states, 10 years. They will add court costs and reasonable attorney's fees to the $3,000 that you owe. What is considered "reasonable" depends on where the case is heard (they generally have to sue you in the county in which you live) and attorneys in NY, LA or Chicago charge more than attorneys in rural areas. But my guess is between $350 - $500 for the attorney fees and $300 or so for the court costs.
I don't know who gave you advice on the other forum, but they should not be giving advice because they have no idea what they are talking about. It is true that nobody is likely to sue you for $300 or $500, but when you start going over $1,000 they consider it worth their effort to go after you. | 
