"I am a Web designer who helps companies — mostly small businesses — build their websites and create an e-commerce presence on the Internet. I ask my clients for an upfront deposit with the balance due upon completion of the project they've asked me to do. I've had a couple of situations recently where a client has retained me to build a website, paid the upfront deposit and then disappeared off the face of the earth. They don't respond to my requests for information, and whe ...

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