<prompt> Human: Before I get started Id like to preface this by saying that I know its my fault and I would just like this to stop snowballing. I overdrew my bank account by about 300 and my bank let it go thru. I know this by itself was a dumb decision. After that i made another 200 in purchases with Paypal using the same bank accountin 3 separate transactions. My bank declined, and is still declining, these purchases. Every time my bank declines a transaction I am feed nearly 40 by them. When my bank declines a transaction Paypal will charge me a 90 fee. When a transaction is declined by the bank Paypal will try again every 3 days. Ive already been charged over 800 in fees and dont know what to do. Without getting Paypal to stop trying to withdraw the money I am never going to be able to work this out. Im a student and dont even make enough to cover half the fees in the time they are charging them.My bank absolutely refuses to help. Ive tried everything with them. Paypal will not cancel a pending transfer because they paid the money to the merchant already and are trying to get the money back from my bank.Yes I messed up bad. Im worried Im going to have to make even more bad financial decisions to get out of this. Please help me. Assistant: go to your local citizens advice bureau or your countries equivalent, they will help you out. UK has: edit - not sure why i got downvoted, how am i meant to know what services are available locally.This sort of organization is very common in europe and would likely give the poster some useful advice.Human: I live in Michigan and dont know if something like this exists.  <response>: Cancel your purchase with the merchant and get that refunded, if possible. Otherwise, find some cash to pay it off asap. 