Hi, I am a 15 year old Canadian and I have a $ 147.01 negative balance owing to PayPal.
It has been negative for a couple of months now.
I haven't contacted anyone at PayPal yet.
PayPal has sent this balance to a collection agency — NCO Financial. I was wondering, do I have to pay this money back? What would happen if I didn't? I don't have a job yet but I do have a SIN, would this affect my credit when I am age of majority? Please help,
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