i bounced a check there this past summer and failed to catch the mistake in my bank statement.
they sent it to collections and when we moved we misplaced the letter. though we had spoken to them, the collection agency decided to sue us.
my husband had to go to court over the matter, and we still have to pay everything the collection agency wanted: court costs, extra fees...
in short, a $20 check became $460 in costs.
they are going to garnish our wages to get their money.
i write this to let seattle know to be very careful.
we usually use our atm card, which goes through your account more quickly than a check.