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First off, let me say that I have found this to be a very useful and friendly forum, so thank you to everyone who contributes their time here. I'll briefly describe my situation: I'm starting a business and I found it difficult to get traditional financing. I found an odd little company based...

I've had this question for years, hopefully someone here can help me out with it. Here's a hypothetical scenario to illustrate what I'm asking: Say you hire a contractor to do some remodeling work in your basement. The contractor does a poor job, or maybe doesn't even do the work at all, but he...