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If you do a search you can find lots of threads on the subject there's also one on cake boss that you can check out.
As for the cake plates charge a deposit on them equal to what it costs to replace them in case they don't come back. The customer pays a deposit and when the plates come back they get their money.
A thread with several contracts:
http://forum.cakecentral.com/cake-decorating-ftopict-586999-contract.html
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