I am just finishing up schooling to get my real estate license. In PA where I am, a contractor can put a lien on you but if you have a mortgage, the contractor cannot force forclosure. If he doesn't do anything for 2 years, which he cannot with a mortgage, it is void. I asked a contractor friend about it and he said it has and is happening to him now. Nothing he can do about it unless the guy sells or the bank forcloses. Another intersting item is that it is possible to record several notices, with different stipulations that only the general cont. may place liens, or that no one may place a lien on your property if a tennant orders the improvement. It must be posted after it is recorded and you may get protest from any contractor about to do work for you, but it can be done. I am going to do it as we are letting my inlaws build a house on our property and I darn sure don't want any problems with looser contractors.

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