Q&A: What is a Mechanic’s Lien?

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By: Bill Henry
PublishedFeb 19, 2019
1 minute read

What is a mechanic’s lien?

We deal with a lot of clients who are dealing with mechanic’s liens – both from a homeowner’s perspective [and a contractor’s perspective]. A contractor, oftentimes, if they don’t get paid what they think they’re owed, will threaten to record a mechanic’s lien. Essentially what that mechanic’s lien does, is it secures the debt that the contractor believes the homeowner owes essentially collateralizing the debt and giving the contractor the right or ability to foreclose on the home to pursue or claim his debt, claim the credit that he’s due. So, that foreclosure operates just like a lender foreclosing out of a mortgage that the borrow has stopped making monthly payments on.

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