Whatever your responsibilities are in your business or organization, you need accounting skills to perform at your best. Most banks offer the ability to manage your business account directly through your local branch, over the telephone, by post or via the internet. Big creditors don’t sue over small debts. The collection letter claims that you will be sued for the $284.37 you owe the XYZ Credit Card Company, but the odds that they will sue are extremely small. A creditor isn’t going to risk business not recovering the $2,000 it must pay to a collection attorney to sue you over a $285.00 debt. That’s why credit card companies (and other big unsecured creditors) write off millions each year in uncollectible debt and simply pass on the cost of this to consumers in the form of higher interest rates and fees. Funnily enough, I only left money in for a while once, when I went to withdraw it, it had lost 2 dollars! No idea why! this was after taking the payments for exchange of currency.