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Something like this happens to most small contractors sooner or later: The homeowner wants an addition on the rear of his house so he can have a bigger kitchen. He signs the contract; you order materials and start. After you tear out the existing wall, he decides that since you've got the kitchen torn up anyway, a bay window in the new rear wall would be nice. You do the extra work, but before you can finish the project, the homeowner tells you to stop: He's out of money and can't pay you anymore. Two Kinds of Trouble This situation raises two sets of problems. The first involves payment: How do you get paid for the work you've