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Honestly, it doesn't need to be complicated. If you just require 25-50% down on your contracts that will weed out the scammers from the legit customers, and will make sure you get partially compensated should they ever leave you in the lurch. Make sure you document all communication, try to keep it over email so it's easy to do that, and you'll be fine should you ever need to take something to small claims court (which will probably never happen).

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