Just to update this situation, I had sent the client a couple of demand letters without reply, so, today as I drove up to the county clerks office to file a claim of lien on his property, my phone rang. It was the client and guess what he had the ballz to ask me to do. If you guessed run his credit card through again you win the prize! My short answer was N-o-o-o-o-o-o-o! He pleaded innocent of filing a affidavit claiming fraudulent use of his credit card and put the blame entirely on First City. I told him the only thing that would stop me putting the claim of lien on his property was for him to pay his bill through Western Union and I would wait in this parking lot for Western Union to confirm the transaction. Finally, he complied and I have the check in my hand. Lesson learned, I won't accept out of state credit card customers again! It is just not worth the trouble. Thanks to all of you for your advice and support!!