It’s not that I’m accusing these contractors of anything. All I am saying that for the sake of clarity and to avoid any misunderstandings, the person who does the work and the person who finances the project should not be connected in any way.

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The smaller the project, the less likely you’ll be asked for a deposit. Now, if you’ve special-ordered a one-of-a-kind fixture that the supplier would never be able to unload on anyone else, and you’ve arranged with the contractor to pay for materials, the contractor might ask for the money up front.

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Acolleague recently asked me if I’d heard the story of the unscrupulous contractor who asked for and received a deposit of $45,000 to build an addition for a desperate young couple expecting a baby.

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