Liens

I am a home owner having my house renovated. One of the subcontractors served me with a 90-day subcontractors notice stating that the general contractor had not paid him. I didn't know he was a subcontractor, and the general's defense is that no work was rendered. The general and the sub have a separate contract. Is there anyway for the general and the sub to litigate their dispute without involving me? Right now, the sub's 90-day notice seems to indicate that he will file a lien shortly, and the general is demanding that the sub initiate foreclosure on my home so that the case can be heard and dismissed since, according to the general, the sub didn't provide work and the sub didn't notify me that he was, in fact, a sub as the Act requires. As a first time homeowner, thoughts of liens and foreclosures concern me, especially when it appears to be a private dispute between the general and sub. Can foreclosure be initiated? Can I lose my house because of this private disptue between the general and subcontractor? Or, is foreclosure the way that liens are enforced?

I am trying to refinance my home. But every time I am turned down because of my wife's credit score. She got foreclosed on many years ago but she still shows up on the mortgage. The new owner refuses to take her off and is often late with the payment, killing her credit. The bank says they can't do anything. How do I put a lien on the property? What is the process and what is the form I need to purchase?

I am concerned about frivolous law suits since I own commercial property with lots of equity. I was told I could file a friendly lien so when they check for assets, the will find I have none since I have liens on the property. What are the steps to follow so the lein is legal?

My husband and I acted as the contractor on a house for repairs and improvements before the house went on the market. The home owner agreed fully with the work to be performed and now, months later, has not disagreement with the work or the costs. We paid for all expenses and subcontractors, which we have done. The agreement was for $10,000 to pay for our labor and services and furthermore to wait until the house sold to recoup our expenses as well as getting paid for the $10K. No problem with the homeowner (who had moved out of the house before work began). The problem is the homeowner had a reverse mortgage. Her husband, with brain cancer, had become violent and dangerous, causing her to move out of the house. A few months later, he was put into a nursing home. It was at that time that we struck the deal. A few months later, after work was completed and the house had been on the market, the husband died. Because the mortgage is a reverse mortgage, the homeowner must reside on the property, which she no longer does. It's been unbelievable that the house has been on the market 9 months but the economy has been a factor as well as the fact that the house is in small cul-de-sace of 35 homes and it is the highest per square foot house there. The appraisal came in at what the list price is on the house. It just has not sold. Now the mortgage company has given 30-day notice to the homeowner that they are going to foreclose. We need to be sure that we will be reimbursed for the $40k we've put into the house as well as the $10K the homeowner agreed to pay us at closing. The payoff is about $125K and the list price is $190K. The homeowner won't make any money but the homeowner won't have to take money to closing which is what she was facing had she not performed the work on the property. We did not file the contract with the county prior to the work being done. This is the first time we've done work as a contractor. Who would have thought such a fabulous flip would still be unsold after 9 months. At the time, we did not know about the reverse mortgage and therefore, did not know it was possible the house would be foreclosed upon. Can we put a mechanic's lien on the property in the next couple of weeks prior to the foreclosure?

I have made 3 mortgage payments for a friend who is selling her house. What form should I complete, such as a lien, to ensure payment at the closing of the sale of the house?