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> If you get a check just by sending a invoice, consider it an anomaly, and yourself lucky.

So very, very true.

"Oh you want to get paid for this consulting project huh? Well we can't just wire the money to you, no, please fill out this form so we can put you in our SAP system. Oh, you haven't been paid? well well, you're not in our system.

We've finally put you our system, here's a record of our payment to you.

no money in my bank account

argh!"

Direct experience with my country's 3rd largest bank. Once outside regular salaried work, liquidity is more of an issue than solvency. You might have billed 5 months of rent, but your real estate agent doesn't accept unpaid invoices as legal tender....



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