withdrawal issues?

i'm fairly new to online play but i have heard a few rumors of withdrawals not going thru or taking forever particularly regarding certain laws(states) but one person told me a 2,200 withdrawal took AP 3 months after they got their lawyer involved....what happens if you hit a bad beat?
also i've noticed you can't cash out with less than $100 and your bank will charge back $30 or so for the wiring....sucks gotta make an extra 30 just to withdraw your money if you build your bankroll up.
anyone with more experience care to share some insight before i throw away too much money online?