I had a somewhat similar situation with paypal a few years ago (2001) and I told them I wasn't paying them because this was all bullshit etc, they sent me to collections who called me a bunch of times, but they aren't going to be able to mess with your credit or anything. I think mine have given up, but I don't live at home anymore so who knows maybe they call my parents from time to time still. Hasn't caused me any problems, however at one point someone I was doing an online transaction with around 06-07 asked me about "Me scamming people on ebay" or something to that effect, to which I just explained the situation and everything was fine. I guess is what I am trying to say is that there must be some list or something somewhere that people can access via either name or email address or something that has to do with problem accounts with paypal/ebay (and maybe this last part is common knowledge and I'm behind on da times)