Best Way to Remediate when I Was Scammed
In 2021, I was the victim of a PayPal scam.
Firstly, I know my naïveté was stupid. I was 18, and I didn't understand how these operations worked. I'm not looking for ways to get out of this, but I need advice on how to at least approach this in a way that hurts me the least.
In brief, I sold a Macbook to someone on Facebook marketplace. I now understand the account to be an obvious burner that this person was using to facilitate fraud. I assume the premise was to commit credit card fraud over PayPal when purchasing expensive electronics to eventually re-sell them to launder the money.
They convinced me to request the money from a specific burner PayPal account. I'm still not sure if they made the account to use a credit card they had stolen or if they had stolen the account itself. Anyway, the money cleared my bank, and I thought I was safe, until the charge was rescinded (because it was a request), and my PayPal account was thus responsible for it.
At the time, I did not have the mental fortitude to process what had happened any better than simply deleting the account and pretending nothing happened. Now, I know better, and a collection agency has been reaching me in order to recuperate the debt.
I have a few options.
On one hand, I can just pay the money to the agency and forget about it. It's not an absurd amount of money, but it's also not something I can just fork out on a whim.
On the other, I can just do a payment plan with the collection agency, and pay a small amount towards it over a year.
I tried to dispute the debt, anyway. I am not hopeful that I am going to be able to get out of paying it. I assume they'll take me to court in attempt to garnish my wages after a year until the debt is paid.
I'm trying to be vague in the interest of privacy, but if anyone has advice here for potential avenues of which I am not aware, that would be great. Again, I'm not looking to be shamed for this. I know I made a mistake, and I'm not unwilling to just own it and pay it off, but I thought posting here would be worth a shot, anyway.