Kevin, not to be disrespectful, but are you kidding??  What planet do you live on?  Find me an industry where every client pays ontime and in full and I will gladly depart from this industry and go there.  Slow pay and no pay clients are a fact of life in all industries.  But what about my good clients?  Do I tell them, sorry don't send any more work because another client hasn't paid?  Do I tell my employees, sorry don't come to work for the couple of months because one of clients haven't paid?  Do I tell the electric company and the phone company to turn off the service for a couple of months while I wait for that one client?  Again Kevin, I'm not trying to be disrespectful..