<prompt> Human: So heres the deal - looking for any advice I can get. Im a freelance designer, and I invoiced a client back in February. They paid, and all was well. They paid via PayPal and I immediately transferred the money to my bank as I always do. Fast forward to a month or so ago, and this client had her wallet stolen. Apparently she thought she had cancelled everything and got it cleaned up...but not before this thief managed to dispute the payment made to my PayPal account and demand the money back. Now my PayPal account is negative 400, putting a hold on my account until I cough up the money. I called my client. This is when she told me about the wallet theft. I called PayPal, and sent them all documentation I had of sending the invoice, what it was for, etc... They said theyd get back to me. They didnt. Today I got a collections bill in the mail. I called, explained what the deal is, but of course the collections agency couldnt care less. The collection is on behalf of PayPal. Im trying to reach out to this client of mine, but they arent being very responsive. I dont think theyre doing it on purpose, but they also arent the most reliable. I dont know how to fight this. It seems that if it comes down to it, my clients should pay me another 400 to make up for it. But Id also like to see if I can just get it wiped clean. Getting through to someone willing to listen and act at a place as big as PayPal though is tough.Any advice on what to do next? Im at a loss.  <response>: Client is trying to rip you off. 