Pay-Pal (was: Don't use "BidPay"!!!!)

Taking money out of your Pay-Pal account, and not having a balance, will not in any way stop Pay-Pal if they decide to "take" money from your account. In order to have a Pay-Pal account, you must give Pay-Pal the right to take money either from your credit card or your bank account (and usually you are pressured to make both available). If there is a "chargeback", this gives them the legal right -- enforceable in court if necessary -- to take that money from you via either the credit card or the bank account, even if it's months later and you no longer have a Pay-Pal balance. And, if the credit card and checking accounts in question are closed, to collect it in the same manner as any other alleged debt through a legal action. That said, I have had problems with Pay-Pal transactions, and so have people who I know (one whose entire account was "stolen" to the tune of thousands of dollars), and, in the end, after some hassle and some time, it was all resolved "satisfactorily".