Originally Posted by
SHAY89
Something doesn't sound right.
How old are you?
I don't understand what charges you were getting. is your PayPal in a 300$ debt, or the bank account?
if its PayPal, change your bank, cancel any credit cards, and leave PayPal. Yeah, they might call you, scare you, but I doubt anything will happen. it's only -40$ that you have
if it's the bank, how come PayPal managed to charge you and make the bank go negative? it doesn't work like that, did they charge your credit card and then your bank account was in negative for a long time so it all piled up? 100$ per month? what
Anyways,
depends on your situation, you can pay the debt in payments, like 3 payments, for example, 100$ per month. get ANY job you can think of and you make wayyyyy more than 100$ per month, no problems. *DO NOT FALL INTO A PAYMENTS PLAN TRAP. JUST BECAUSE YOU CAN PAY IN 24 PAYMENTS (12.5$ per month without interest) DOESNT MEAN YOU SHOULD. THEY DEBT WILL BE WAY HIGHER BECAUSE OF THE INTEREST, BEST TO PAY WITH A LITTLE OF PAYMENTS AS POSSIBLE.*
You can tell your parents what happen and let them deal with it, if it's your bank that making the problems, or your credit card company, you can't run. You should pay it asap in any way you have, and get a job asap, even for 1 month working a few hours per day should close the debt.
Don't get too afraid, it's not really that big of debt, especially since it sounds like you are really young and you don't have any expenses, so a few days of work and you are fine. You will be fine.