I can only reply from a coders point of view:
I've taken up on a few service requests so far and was always paied correctly.
I think if you choose somebody who has got a good reputation (eg. has been here for a while, helpful to the community and released some hacks) there is not too much to worry about.
But still id't strongly suggest to change all passwords after the job is done.
As for the charge ... don't know. Depends on what needs to be done.
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