There's a question I've been struggling with during my freelance graphic design work with local clients/small businesses: Do you always write out a contract that stipulates the payment terms? One of the things I like to do is build trust with my clients, therefore I've never required written agreement. However, while most local clients do not lie per se, they do tend to forget. I've had situations where the client has grueled me about subsequent bills, even when it was their own request to pay in installments. On the flip-side, I feel presenting a legal document may intimidate and be too formal for these "ma-and-pa" shops and community non-profits. As more established digital artists your fields, I'm very interested to hear how you navigate these situations.