When you know or at least believe that someone owes you money, getting the money you’re owed isn’t always simple.

On occasion, you might decide that pursuing what you think you’re owed isn’t worth the effort.

If someone owes you a few dollars and getting it back won’t make a huge difference to your life, letting it go could be the best things to do.

However, there are times when you should fight for what you’re owed and pursue your money.

If the money is going to be a big help to your financial situation, whether short-term or long-term, you need to try and get what you’re owed.

When a Client or Employer Owes You Money

If you’ve done some work that someone else has promised to pay for, you can’t let them get away with not paying you.

Whether you’re employed or self-employed, it’s important to hold your employer or client to account. If you have a wage complaint about your employer, you can contact your state employment agency.

If you’re self-employed and have a client who won’t pay up, you might need to consider making a claim in small claims court, depending on the amount that you’re owed.

Related: How To Make Money This Year

When You Are Owed a Refund

Sometimes, you might return a purchase that you don’t want.

Maybe you don’t like it or it could be that it’s damaged through no fault of your own.

When you return it, you could be entitled to a refund.

Firstly, there is a federal law that entitles you to a three-day cooling off period on purchases over $25. If you cancel your purchase during this time, you should get a full refund.

In many states, you don’t have a right to a refund, and it will depend on the retailer’s policies.

However, if there is a clear law (such as those in California, Florida or Connecticut), you should know what it is, as well as the retailer’s return and refund policy.

Related: 5 Money Hacks For A Better Future

When Your Insurance Claim Is Denied

Dealing with insurance providers is often time-consuming, difficult and sometimes expensive too.

If you make a claim with any of your insurers and your claim is denied, you should think about appealing the decision. You can get legal advice and support if you need assistance making your case.

You might want to consider an attorney who is particularly knowledgeable about your insurance provider. If you need disability insurance advice, you can get Guardian Insurance help.

They should know how to deal with the company and the best techniques to use against them.

Related: This Is Why Insurance Companies Deny Claims

When Friends or Family Owe You Money

It can be tricky if someone you know and love owes you money.

You might want to be careful about whether you pursue what they owe you, and consider a couple of different factors.

For example, if they don’t owe you a lot of money, you might prefer to drop the issue, rather than risk creating a strain in your relationship.

If you know they can’t pay what they owe all at once, you could work out a manageable payment plan.

Related: Pay Off Debt And Save Money This Year

Get The Money You’re Owed!

If someone owes you money, don’t just let them get away with it.

You should consider your options for getting what you’re owed.

Related: Why You Need A Financial Advisor