Legal Question in Construction Law in Connecticut

Re: Mechanics Lein

Answers to your questions:

1. It won't affect your personal credit history, unless and until the holder of the mechanic's liens foreclose. Then there will be a judgment on your credit history.

2. Your options to get rid of the liens are:

a. negotiate with the holder of the liens to accept a certain payment in return for the release of the liens;

b. CALL THE TITLE INSURANCE COMPANY WHO WROTE THE TITLE INSURANCE POLICY ON YOUR PROPERTY; I really hope you bought extended title insurance coverage;

3. You might be able to sue the builder, but it depends on a lot of specific facts; talk to a lawyer who handles litigation involving contractors. Start with the person who did your closing and ask if that attorney does litigation.

The bad news is this: This is a common situation when building a home. Many times, builders get in over their heads and don't pay the sub-contractors. When that happen, it is often difficult to recoup your losses, because many times these builders are insolvent.

The good news is this: If you bought the right title insurance policy at closing, some of this headache might be covered by your insurance.