<prompt> Human: I realize this probably sounds really stupid, but please hear me out.Small backstory: I sold two separate, different items on eBay. Approximately 30 days later, BOTH buyers initiated chargebacks and claimed their accounts had been highjacked. I provided proof that I had sent the items to the buyers already, but Paypal being the shitty company they are, sided with both of them.They refunded both buyers, AND are trying to hit me with 46.31 x2 chargeback fee, which is insane. I never thought the horror stories of Paypal would hit me.I want to absolutely refuse this if possible. Theyre threatening to send the charges to a collection agency. I want to know the repercussions of ignoring it. What are the repercussions of not paying a 130 charge like this? Will it affect my credit? Can this affect me at all from a legal standpoint?General advice would be appreciated. I know some people might suggest just paying it, but I just dont want to bow to this slimy company.  <response>: Did you ship both items to the address given in the PayPal payment OR the shipping address from eBay?If so, call PayPal first thing in the morning and tell them that you are covered by PayPal seller protection. That as long as you were NOT told by Paypal to hold off shipping because the transaction was suspect and you used the address given and shipped within seven days, paypal assumes the risk for claims of account misuse seller protection doesnt cover not as described counterfeit claims.The agent is going to have to explain to you exactly why theyre not honoring their agreement with you, and the odds are she or he wont be able to. Which means theyll have to reverse their decision. 