recently i lost a case for 20,000$. Apparently the card that was being used was stolen. I have all the proof that the product ordered was delivered. I have emails, tracking numbers, etc. But because I used Virtual Terminal offered by Pay Pal, I am not Seller protected. Anyone has suggestions what to do now?

My balance is negative, because I have was able to take the funds out Pay Pal before the chargeback was confirmed. But of course Pay Pal demands that I put money back to cover the negative balance