This sounds like a contract issue, not an ethics issue. I've shared your question with Avvo's contracts law forum, where your question may be seen by more attorneys who practice in this area of the law. I suggest you re-post in the New York contracts forum because contact law varies from state to state.
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Do nothing or hire an attorney right away. Waiting is not getting you paid.
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Yup. You absolutely need to either hire an attorney and file suit or file a pro se suit in small claims, depending on the amount in controversy. Your only other options are to wait it out or just write the debt off as uncollectable. Which is never something a freelancer wants to see happen.
In the future, you may want to start asking this client for partial up-front payments (or full up-front payments) to offset his tendency to not pay in a timely fashion. Or, you know, just STOP WORKING FOR PEOPLE WHO DON'T PAY YOU.
No information you obtain from this answer is legal advice, nor is it intended to be. You should consult an attorney for individualized advice regarding your situation. No attorney-client relationship is formed by my responding to your question.
In addition to my colleague's suggestions, if by "creative" you mean that for a fee you provide the client with copyrightable things [logos, designs, photographs, etc. etc.] then one option is to have your own copyright attorney explain to the client that his failure to pay breaches your agreement to transfer to him the copyright in those things or a copyright license to use those things. If those things are vital to his business, but you alone have the right to use them, then threatening to sue him for his use will get his attention right quick. Speak with an intellectual property attorney. Good luck.
The above is general information ONLY and is not legal advice, does not form an attorney-client relationship, and should NOT be relied upon to take or refrain from taking any action. I am not your attorney. You should seek the advice of competent counsel before taking any action related to your inquiry.