In California, we have a law that states no debt collection agency can sue us. You have to understand that ebay can collect or try to collect fees that haven't been paid, but they have to follow the FDCRA to do so. Ebay will not collect it, they will send a collection agency after you.
They will send you a letter, you have 30 days to answer that letter, if you don't it is considered valid and can be collected and placed on your credit file.
If you send them a letter asking for validation of the alleged debt, most collection agencies cannot legally validate it and will go away.
Remember it is their burden of proof that you owe it, it is in no way your burden to prove you don't.
They will send you what is called a "dunning letter" trying to scare you into paying, threatening you with law suits, and pretty much death, and 99% of all collection agencies send it hoping you do not know the laws and get scared and pay them.
I have 1 collection on my report right now for $300 for an electric bill I refuse to pay because I did not use that electricity, it was the owners responsibility for a home I rented and he didn't pay it, and it went on my name. I have had other collections from government agency's for speeding tickets and various other tickets that I refused to pay, I have had collections from medical bills I refused to pay because I had insurance at the time, and I was covered, I have had collections from wells fargo because when I was broke one day when I was young and borrowed $800 against the debit card, and never payed it back. Do you know what happened? It all disappeared off my credit report 7 years later. There is a statue of limitations and a collector cannot legally keep that collection on you after 7 years. Also Ebay will write these unpaid fees off as a loss, which means they get a cut on their taxes, they then sell the debt to a collection agency for pennies on the dollar, let's say I owe $750, they will sell it to a collection agency for $75. That collection agency will then attempt to collect the original $750, plus made up fees, when they only bought it for $75. It is a whole racket and low life business. Now me, I have no credit cards, I have no need to get loans, I have nobody I need to borrow money from, so my credit report is non existent to me. I make all my money on paypal, and get that transferred to my bank account. And nobody can legally seize your bank account, unless it is the federal government. They are the only ones that can freeze your accounts. So always pay your taxes. They are the only ones who can get you. At the moment I have $18,000 in my account. Now if these collection agency's had any power, don't you think they would be able to touch my money? But they can't. There are laws protecting us. In fact if a debt collection agency calls you, do not admit you are who you are, because that is admitting to the debt. You tell them you want all correspondence to be by mail and hang up the phone. They are now legally required to send you letters and not call you. Dispute the debt, send them a letter asking for validation. Don't play their little game.
