Dear B.B.: I'm sorry to report that your dilemma is not at all unusual. One recent study of self-employed people in New York state, for instance, found that 316, 000 of them (about 35%) were paid late at least once during the preceding year, and some 214, 000 (14%) did work for one or more clients who never paid them at all. Total lost wages in the Empire State alone, over a 12-month span: More than $3 billion.

亲爱的B.B.： 我很遗憾的告诉你，你所面临的窘境并不罕见。最近在纽约州开展的一项针对自由职业者的调查发现，有31.6万名（约35%）受访者在上一年度经历过至少一次付款延迟，约21.4万名（14%）受访者曾经遇到一个或多个客户没有付款。仅纽约州一年的工资损失总额就超过30亿美元。

"Delays in payment usually aren't deliberate on the client's part, " notes Sara Horowitz, who founded and runs Freelancers Union, a Brooklyn-based nonprofit association that offers health insurance and other resources to the self-employed. "It's just that your invoices get lumped in with all the other accounts payable -- and, especially since the recession, more companies are pushing those out beyond 30 days to 60, or even 90."

位于布鲁克林的自由职业者联盟（Freelancers Union）是一家为自由职业者提供医疗保险和其他资源的非盈利性协会。联盟创始人和运营人萨拉•霍洛维兹指出：“很多情况下，客户不是故意延迟付款。只是因为你的发票与所有其他应付款项的发票集中到了一起。特别是自经济衰退以来，许多公司把付款周期从30天延迟到60天，甚至是90天。”

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