Sorry to hear this! I would try to cash it first as well. If it doesn't go through, take 5 minutes to make a phone call and tell her you will get a lawyer and the police called to get your money. She may get scared and pay you. If not then do what you want from there. I do not let people walk over me and I understand where you are coming from with not wanting to make a big deal about it but the way I look at things is, people need to be taught a lesson and this lady is one of them. If you were local, I'd do it for you.