Client might owe $$$?
Out of context: Reply #8
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Depends on how much money you have up front.
I never jeopardize a relationship for a small amount, particularly when they've paid 1/3 already.
I'd get clarity from her, discuss how this makes the last 1/3rd even more important. It is seems odd that she mentioned it, could be that she just switched banks or have some legitimate delay, or it could mean she doesn't have the cash. You gotta ask.
As for not giving the print file until final payment, good luck with that. I wouldn't have clients if I waited for final payment before delivering the product, that's just not how businesses work. I do, however, insist on payment to start.
You can, though, put language into the contract that states they do not have the right to reproduce or use until final payment. Most people won't look at that detail, but it gives you some flexibility should you need to leverage the contract to get payment, but also let's them have it w/o missing client deadlines, etc.