ebay billing

my complaint is that i listed a few items on ebay and because i did not use pay pal ebay who claims you do not have to use this service that also belongs to them .... but because i did not use pay pal ebay recomends customers not to bid on products that the seller has listed without the seller using pay pal so i did not sell my items and now ebay wants me to pay 32 or 33 dollars even though they did not help me to sell my items and the people listing the same items that had used pay pal sold theirs so i feel i should not have to pay them my credit card company agrees and so ebay has terminated my account and now has some collection company calling me 10 times a day it seems what can i do ?