Back to basics... this is a business and the first rule of business; consider losses of 5% as normal business. Sucks but that's the way it is. My suggestion to all newbies:
1, This is a business regardless of how small, set it up, run it and maintain as a business!
2. Do your due-diligence before accepting any shop! Check out the company and know how to collect monies owed to you before you begin. By the way, be sure to check with the IRS as several people I know have been told lately losses must exceed a certain amount before you can deduct them!
3. Good accounting and time control will help you maintain you A/R.
Remember each day to "help someone, laugh and learn something new!"