Im only 15 and located in the USA, I have a little less than $270 in negative balance because the buyer filed a return even though I said no returns, he said "item was dirty" I showed paypal it wasnt dirty and they still gave me a negative balace, I went to my bank and closed all my accounts associated with Paypal, and got an email saying pay immediately or an "outside collection agency" will get involved, I cant afford this I dont have a job, please help me what should I do.