I have never had this happen to me, but boy it still makes my blood boil thinking about it. I hunted down a person to roof my house after noticing his work on another persons house I inquired about. He ordered all materials and made me pay for them directly. He told me to pay his part when he completed it. I guess now thinking about it, he put a lot of trust in me to pay him! If someone screwed me out of 20k, I would give serious consideration to going in debt another grand or two to have someone give him an anonymous butt kicking he wouldn't forget.
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