First of all, a contract can mess you up as fast as what you had intended. The consumer can use a contract against you in much the same way you had planned on using it should the need ever arise. No matter how well planned, just when you thought your arse was covered, someone else finds the loophole. But that in and of itself is minor. Lets say someone doesn't pay / breaches contract and you take them to court: - You're going to CIVIL court, not criminal. Civil is exaclty that: All a very nice happy-happy thing, nothing seriously bad ever comes out of civil. - The money owed pays for services already rendered and does NOT cover all the time you'll spend in court. You are, in essence, wasting production time to potentially <-READ recover something for time already wasted. - You need to go to court at least three times (once to file the paperwork, again for the preliminary hearing and one more time for the actual case). That's for starters... Defendant has the RIGHT to postpone case one time for absolutely NO reason so in more than a few cases you get to show up a 4th time AND if you fail to show up even once throughout the entire ordeal, the case could be dropped. Meanwhile, the defendant does not have to show up even once if he/she doesn't feel like it: Defendant doesn't file paperwork, if defendant fails to show for the prelim, they notify defendant through the mail of the actual court date AND if the defendant wants to postpone the 3rd date, defendant can do so in writing... Maybe defendant shows the 4th time. - Each time you show, it could take anywhere from 20 minutes to an all-day affair but you have to be there from the get-go: HOURS. - Even though you can charge a high late fee (like 75 or 125 dollars) plus interest, this money hardly covers ALL the time you'll spend in court. In addition, YOU have to pay the court cost upfront (another 40 dollars, cash works best and since the defendant never paid you in the first place, good luck getting this bit). - Owing money is NOT criminal so they will not put defendant in jail for not paying, thus there exists ultimately NO real incentive for defendant taking care of the bill. - The defendant CAN spend 500+ dollars to hire an attorney and spend 3-5 times the money they owe you on their attorney JUST to get out of paying YOU. Even without an attorney and even IF your case is iron-clad, there also exists a slim chance the judge finds in your defendant's favor anyhow. Do you now feel like appealing? - Even IF the court finds your defendant guilty / finds in YOUR favor, meaning the judge has decreed this debt is legitimate AND they MUST pay within 10 days or else, guess what? NOTHING happens to them if they do not pay! Ok that is not totally true, it does go on their credit record - Big Whoop! - Yes you can, after the judge finds in your favor, take out additional measures such as liens and wage garnishments but guess what? EACH one of these filings costs you another 40 dollars (huhuhu you can recover it but that's real smart because the defendant hasn't paid chit and recovering THIS certainly doesn't help because it's money you already spent ALL on TOP of the original bill out of all of which absolutely nothing has been paid thus far ... and, you're the only one paying). Last but not least, defendant can evade wage garnishments for a long time (might become self-employed for one), may not own a house, keep the car for 10 or 20 years until it's worthless (should you put a lien on it), close his/her bank accounts to prevent seizure, and so on ... Forget contracts and court cases, that stuff don't excite me in the least.