As an independent contractor, there’s nothing more frustrating than finishing a job — sometimes under tough conditions — only to be left chasing payment. Unfortunately, delayed or denied payments are common in construction. That’s where liens, specifically mechanic’s liens, come in. They’re not just legal jargon — they’re your most powerful tool to protect your right to get paid.
💡 What Is a Contractor’s Lien?
A contractor’s lien is a legal claim you can file against a property when you're not paid for labor or materials. It ties the debt directly to the property, making it difficult for the owner to sell or refinance without paying you first.
Think of it as your leverage — instead of calling and emailing endlessly for payment, the lien gets their attention fast.
Why Liens Matter for Independent Contractors
Here’s why every independent contractor should understand and consider using liens:
1. Protects Your Payment
A lien puts a legal hold on the property. The owner can't ignore it — they either pay you, or their project stalls. It shifts the power back to you.
2. Prevents You from Being Last in Line
If multiple people are owed money on a project, the ones who file liens early have a better shot at getting paid. Without a lien, you’re often left waiting… or walking away empty-handed.
3. Speeds Up Resolution
In many cases, just the threat of filing a lien is enough to push a client or GC to pay what they owe.
4. It’s Your Legal Right
Most states and countries have laws specifically designed to protect contractors, but you need to follow the proper steps — usually within a specific time window — to file legally.
⚠️ What to Watch Out For
- Deadlines vary by region — some places require you to file a lien within 30, 60, or 90 days after work is completed.
- Preliminary notices are required in some areas to let the client know you might file a lien later.
- Documentation is key — keep records of your contracts, communications, and invoices.
Finally
As an independent contractor, your work has real value — and you deserve to be paid for it. Don’t let unpaid work become a loss. Learn how liens work in your region, and be ready to use them if needed. It’s not about being aggressive — it’s about being smart and protecting what’s yours.