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Wow, hard to believe this happens to you guys very often considering the retail value of minis today.

I suspect you've got the same responsibilities as any other business that accepts peoples items to provide a service. Every dry cleaning service I've used has a nice big sign saying they're not responsible for items left after X number of days.

Perhaps seeking legal guidance in your particular state + a disclaimer in your contract for how long you hold onto completed commissions prior to seeking alternate methods for payment for your services .