Worked for an independant back in 2013, always paid late but in full. Suddenly outa nowhere practice was sold and he was nowhere to be found. Tried to send him letters but his business and home address were hard to find. Turns out the business was never in his name, nothing was. So cant chase him legally. Eventually tracked him down, he buys and sells lotsa practices, runs up huge debts and disappears. Anyway very very slowly squeezing him for money, whilst smiling and avcepting all his bullshit excuses.
Moral of the story, if working for independants, dont work more than 4 days before requesting payment.