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Thank you both so much for your responses! Your advice is very much appreciated. As far as the interest percentages - I've been told to charge those amounts by one person, and then told it's extortion by another. Can either of you speak to that?

I'm currently dealing with a former client who continues to tell me that she is unable to pay me for my services, and this is what I'm looking for legal advice on. It is a very complicated situation, and it starts by me trusting my client/friend and not immediately drawing up a contract. I...