I have a client who is refusing to pay a balance for a job already completed. I cannot file a lien b/c that would require it to be posted before the first payment. This has been going on for months. It was a job through his insurance policy, and I'm pretty sure he over spent his insurance claim, which is why he's not wanting to pay - he doesn't have the money. He's not answering my messages or returning my calls. I just need to get paid. What do I do?