I learned from a few bad experiences when I got started that It pays to include your terms of payment agreement when dealing with a new customer. I always tell them I will be happy to send a copy of E & O, etc... and a copy the my business agreement, that "my accountant/attorney" (that being me) require me to have new customers sign.  It is great, and really was suggested to me by an attorney friend. It states that payment terms are 30-45 days from the date the search was provided. At 30 days and 45 days, reminders for payment will be sent. After 45 days, a 3% late charge will incure daily...This sound harsh, but it does motive the late payers to get the ink out onto the check.  If the customer returns the agreement signed, and you have a copy of the invoice, agreement and search. You can take them to small claims for the balance due and collect the interest fees.  I know, I had to try it last year and won.