"What happens if a freelancing client goes bankrupt?" Highly unlikely you get paid. Your remedy is pricing and selectivity, not court.
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Pricing high is a double-buffer: first, it prices in the credit risk of any single or small number of invoices being uncollectible.
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Second, companies in financial trouble don't typically try to engage consultants who are priced at top-of-market. They go bargain shopping.
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