I have a home-based business. My company recommends that we do not accept personal checks, but I make exceptions for family & people I know well. My next-door neighbor of 8 years recently paid for an $70+ order by check. She had been in a car accident & was out of work waiting for disability payments to kick in & asked me to wait until a certain date to deposit it, which I did. The check bounced & the bank charged me $10 NSF fee on top of it. I waited a few weeks to see if she approached me & she hasn’t. Keeping in mind she lives next door to me, do you have a suggestion for some sensitive wording, (not “I could have used your rubber check to play handball”) to acknowlege she’s embarrassed & may be struggling a bit financially but her check bounced & she’s got to pay me $70+$10 fee by cash or credit card only? Thanks!