Sold something on eBay and was disputed (about 4 months later!) Claiming that the buyers account was hacked. I don't have seller protection because, as I realized afterwards the item was against eBay rules (digital gc emailed to buyer). So my PayPal account is now in a negative balance. I was thinking of just ignoring and screw that PayPal account. Did a bit of research and it seems like PayPal will send to collections, hit my credit, etc. etc. Anybody with experience?