Hi, Everybody:

I'm brand new to this site & desperately need help! Someone (I'm sure who) made several hundred dollars in unauthorized charges with my PP debit M/C during an extended hospital stay late last year. After a lengthy call to dispute charges and receiving "provisional credit," I just learned that Paypal reversed all fraudulent purchases back to my account, thus leaving it nearly $1,000 USD in the negative! YIKES!!

Based on cursory research, I know what comes next. Repeated demands for payment, followed by outside collection agency placement and ruined credit rating. Is there anything I can do to appeal Paypal's denial of my disputed charges? Thanks in advance for any helpful insights provided.