Mechanic's liens
A mechanic's lien is a statutory security interest in a property, created by filing, that secures payment for labor, services, or materials furnished to improve the property. Mechanic's lien law is almost entirely state law — there is no federal mechanic's lien for private construction.
How a lien works
- You furnish labor, services, or materials to a project.
- If you are not paid, you record a claim of lien against the property in the county records, within the state's deadline.
- The lien clouds the title and pressures the owner (and anyone above you) to pay.
- If payment still does not come, you must file suit to enforce the lien within the state's enforcement deadline.
Why the deadline is everything
Every state sets its own deadline to record a lien, and many also require a preliminary notice to the owner or lender early in the job. Missing either can destroy the lien entirely. The deadline usually runs from completion of the work, cessation of the work, or a recorded notice of completion.
Related tools and support
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