I forgot to pay a hospital bill when I was in my early twenties. Two years later a cop came knocking at my door with a summons (I think that's what it's called?). My jaw dropped and I must have looked absolutely shocked and horrified because the cop patted me on the back and told me it was really no big deal, I wasn't in real trouble or anything. I just went to court and paid the bill. The end. I did feel like a bad person, so it makes me feel better to know that others have done that, too!
Once I bounced a check buying yarn, and that was worse. The store called me and I groveled all over the place. Then I went right in to pay them and the woman was really really mean to me. I felt stupid and never went there again. They just closed a few weeks ago. Maybe I wasn't the only one they were mean to.