Paypal help
Well, after a couple of minutes on Paypal's automated line, I got myself to a live person who explained that I had selected "money owed" which seemed reasonable to me to use as a choice because I owed them money! But was not the proper selection. Also she noted the 45 day window, but very nicely guided me thru the process and opened the dispute.
It was much easier to get a real person on the phone and state my case then I imagined.
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