What do you do when expected payments are delayed?

I am a freelancer. This happens to me once in a while but not often. I usually would send an email to my client as a reminder that I have not yet received payment from him/her. If there is no response, I will give him/her a call. If I receive no response from him/her, I will go to the Small Claims Tribunal for help.
 
So many people are bound to receive payments from one source or the other. It could be from our jobs or contracts executed. What do you do when payments are delayed?
I always keep some savings to use in such situation.
 
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