I do owe paypal but I was making payments on the app every month until I lost my job recently they told me as long as I make payments then I'll be fine. My account got transferred to Simm Association who dont identify themselves which was a red flag to me someone named Debra answered the phone like she was picking up her personal cell phone. Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes: The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor