<prompt> Human: So, I moved to Masschusetts in March and since Im only 17 I opened a TD Bank account with my mom. Everything was fine for about a month and a half. Then I signed up for a 1 trial with a gaming website jabirufun and thats when everything went to shit. The trial was supposed to last a week but they charged my card 30 a day early, causing several overdraft fees35 each on my card. I had used my card a couple of other times that day before I had noticed, so at this point there was already 105 negative in my account. I asked for a refund, and they did. I was upset that those fees were caused but I accepted it because I should have canceled the free trial sooner. Then, two days later, they RECHARGED my card the 30, then refunded it again which caused another overdraft fee, and then charged it another time the next day for 1, and that caused another. I was now -175. I tried to get in contact with them for reimbursement, because after the first charge I explained to them my account was negative, but I received no help whatsoever. So I contact TD bank and explain it to them and they thankfully take off half but I still owed 90. I didnt have the money at the time so I was waiting until I did to put it back in the account. So fast forward a month, I have both me and my boyfriends card on my paypal, as well as both our bank accounts. I have Netflix Spotify and Hulu connected to my paypal. Me and my boyfriend pretty much share our money completely thats why we have it like thatI know its weird for a 17 year old to do that but he is a little older and he moved with me. so my boyfriend has never had any overdraft fees on his bank account, and he always has money in his. So anyways Hulu and Netflix both charge MY account through PayPal which is already negative and that causes more overdraft fees so my bank account is now at -160. after this they charged my boyfriends card though and it went through and it was okay. So then a month later, I thought they would know to charge the card without a negative balance, but they didnt. so they charge my card again, and then two days later again. so Im now at about -250 in overdraft fees in my account, and really pissed. so I start asking PayPal why they would charge the account with a negative balance when I have another account on my paypal with sufficient funds. and Ive transferred money Ive received through PayPal to the account with the sufficient funds before, so I really dont understand why they would assume to charge the one with a negative balance. So paypal replies with a form replythat honestly didnt even make sense so I ask again and try to explain it Further, and they send another form reply, which was again not helpful at all. so I send another yesterday and tell them if they do not have a real person email me and explain why they cant reimburse me for the overdraft fees they caused, then they need to reimburse me and I reminded them that I can show them proofI told them that in earlier messages and they finally reply with another form reply, but its actually getting somewhere. they want me to upload documents with proof that I was charged the overdraft fees I was only asking for the last 105. So I happily go on over to TDs website and log in and my checking account is gone. Im confused, so I look again and there is no checking account on my account at all. I email TD, and it turns out they sent my bill to collections the day before. So that takes me today. What the fuck do I do? My moms name is on the account, and I honestly had the money to pay the bill I was just waiting until I found out if paypal was going to pay or not. how long until the agency starts harassing my mom? and how long until it affects her credit? can I pay it off now without it affecting her credit? thanks for reading my rambling mess I call a story, all help is appreciated.tl;dr 250 worth of overdraft fees sent to collections- what now?  <response>: First of all, your story feels like life is trying to teach you a lesson over and over and over and you just arent getting the message.Call TD immediately and see if you can pay the account balance before it goes any further. If they just sent it to collections, they might take your payment. Stop worrying about Paypal footing the bill for the fees at this point, and focus on stopping this right now. You should probably cancel Netflix and Hulu for the time being til you get this mess straightened out, honestly. Paypal charges your default account regardless of whether or not you had money in it. Paypal isnt in charge of knowing whether or not you have sufficient funds. Thats your responsibility. Just like it was your responsibility to cancel jabirufun before the trial ended. And it was your responsibility to keep your bank account balance in the positive. Why did you continue to have Hulu and Netflix when you couldnt afford to pay back the 90 you owed the bank? You shouldnt have unnecessary luxuries when you are in debt.You need to learn better money management or someday, when you are an adult, the problems will be bigger. You are struggling now with 12 bills and -90 account balances - nip this in the bud before you have thousands of dollars in bills due each month. 