I asked my lawyer for a form when I went into business, and he got me a standard form from an office supply. They are called "Contract Proposals". I use a slightly modified form from my PC now. I also have a "Time and Materials Agreement" for those jobs, so I'm always getting an autogragh when I get a new customer.
As for the insufficient funds check, here in Illinois you can sue for TRIPLE the check if they don't make good on it in 30 days. If it's a stop-payment, that's another matter. A word to the wise, I've hung onto those insufficient-funds checks for a few months, then redeposited them, much to the surprise of the deadbeat (when it cleared).
Dave
