<prompt> Human: So Ive got a big problem here and I would like some help quick while I still may have time to prevent myself from getting screwed or at least lessen potential damage.Heres how I got scammed. I had some clothes up for sale and this guy wanted to buy some of them for 400 total, but he tells me that his paypal account is frozennot working and he cant send or receive money on his account. He tells me he has a buyer whos trying to buy jewelry from him, and since he cant receive money from that buyer, he suggests having his buyer send me the money 3300 on paypal goods and services, then I keep 400 from that and send him my buyer the rest through cash apps like venmo. So I agreed and we went through with it smoothly. My buyer sends me the tracking number to upload on the paypal transaction thats between me and his buyer, and I ship the clothes to my buyer, everything seems fine like it went smoothly. I had never had any contact with the jewelry buyer until a week later, I get an email from him saying that the jewelry he bought got delivered to a different state from his shipping address. I check the tracking updates, and I realize that the guy who bought clothes from me screwed me over cause whether he gave me the wrong tracking number to upload or maybe he sent the jewelry to a friend or something just to get it back from him, that guy isnt responsible anymore and instead he made me responsible.So, I have not gotten a chargeback yet and Im asking for help on how to prevent losing 3000 and going into huge debt. Ive been reading a lot of similar posts online today on a few sites like this subreddit and paypalsucks.com, and this is what I think I need to do and Id like to get helpful feedback.I just removed my debit card yesterday from the paypal account never linked my credit card and Im waiting for a pending transaction to be completed to disconnect my bank account from paypal so I can close my paypal account hopefully before a dispute is opened on this transaction. Ill also tell my bank bank of america to block paypal from my bank account. Is all of this enough to prevent paypal from taking 3000 from my checking account? Do I need to do more or are there other alternatives? Keep in mind I am not willing to close my bank account or open a new one.Im aware that even if this is all done before a dispute is opened, paypal would likely send a debt collection agency after me and I need some clear answers to this. I see some saying to just completely ignore the debt collectors cause they cant do anything but make empty threats, while some are saying that they actually can take legal action and suerepossess. And then theres also some people saying they can ruin your credit score while some saying it wont be affected. So whats the truth?Please refrain from making wasteful comments of what might be my fault in this whole situation and stuff like you need to own up to your mistakes and face the consequences. I was only trying to sell my clothes and be a trustworthy seller by helping out who I thought was also a trustworthy seller, but ended up wrongfully scamming both me and the jewelry buyer.  <response>: this is an expensive life lesson. Accept you lost the money and have to pay it. 