I recently finished a home repair. The insurance money, which was issued jointly to the homeowner and the mortgage company ( a really large bank which had received billions of bailout money). When It came time for my progressive payments - no check arrived. I have since finished the job and still after 45 days no check. What is a reasonable and legal fee to charge them for late payment - payments were due upon delivery of invoice. We are talking almost $10,000.00.