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Stupid question but, is I.C. Systems reporting on your credit reports Jay? If not, I'd probably send the FDCPA validation request and maybe a FCBA or FACTA communication to PayPal and let it ride.
If it comes on the reports, then escalate.
As for the U.C.C./merchant argument, we would be giving defense attorney's far to much credit if we actually thought they may pick up on this. Most wouldn't.
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