This is an email I had to write today.
Hi Associate Editor,
I'm concerned about the six-month expected delay in payment that's noted in this assignment. Freelancing is my sole source of income, and I've come across reports online about your company failing to pay writers for up to a year following the publication of their stories. As much as I want to take on more work, I don't want to set myself up for months of haggling over a few hundred dollars for writing I've already done. I realize that you probably have no control over this, and perhaps it's unfair of me to even direct this complaint to you. But I can't in good conscience take on an assignment under terms that don't respect content producers enough to pay them within a reasonable and clearly-defined timeframe.