[tomkarlo]

"Contracts are only really useful for big company and with big accounts."

This is totally untrue, and incorrect. Not only because you can take even a tiny client to small claims court (but without a written contract, forget it) but because contracts are also there to protect YOU from claims by a client against you and your business. If you believe that your business is valuable, or you have any personal assets you'd hate to lose to a lawsuit, you should be using a written contract any time you're doing work for hire as a contractor.