Ask How do you handle a Upwork client who wants work completed before the contract is signed?

A contract on Upwork is what protects your money and ensures that you get paid after finishing a task. Sometimes a client will ask you to start the job immediately or send the files before they officially hire you on the system. This is very risky because you have no way to claim your payment if the person disappears. How do you tell a client that you cannot work without a contract? Have you ever lost money by trusting someone too early?
 

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