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Mary and Stanka
Mary
I've have had only one client who was unable to pay at the completion of the portrait, however they did pay it off eventually with monthly payments. This was a commission with downpayment and a contract.
Stanka,
Two of the most successful portrait artists that I know sometimes or never, in the case of one, use contracts they are certainly not "destitute" or unprofessional. I am not advocating to not use contracts. I'm only saying that using contracts and downpayments is not the only was to go about this.
Steve
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