DEAR HARRIETTE: I have a client who owes me a substantial amount of money, and I have been waiting for nearly five months for the check to come through. It’s crazy. Ninety days is standard for this company, but it’s almost double that now. When I asked about the payment about two months ago, I was assured that it would be paid in a matter of days. I don’t want to be annoying, but I do want my mone…