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By all means, get a layer. Why?

  1. Freelancing is hard enough without spending mental and emotional energy with this kind of thing. Let someone else handle the unpleasant talks.
  2. You are a business, having a legal counselor is the professional way to do it.
  3. I like to think all business start with the best of intentions from both parts, but often things go wrong. You need a hired gun to make sure you will get paid no matter what and to cover your ass (last thing you want is exposing yourself to liability).

I could not put it better than Mike Monteiro:

http://shelby.tv/video/vimeo/22053820/2011-03-mike-monteiro-f-ck-you-pay-me