Caught my husband on Ashley Madison, because I have kid logger on our PC. Found out his user name & that is randy-andys-handy & his pass word, so I logged into his AM account  & found out what he is up to. Now I have put up a profile of a fake lady (me) on AM & have been talking to him & he has no idea it's me. Spy on your spouse down load a key logger, then you know what they are really up to & if they deny it just print everything out & hand it to them. Simple & easy. Oh yes you are correct it is a PayPal debt from your bank account ..