The Levelset Credit Management Advisory Board

The Levelset Credit Management Advisory Board brings elite credit and finance professionals together — dedicated to helping you become the most promoted, highest paid and most efficient credit professional.

Meet the board members

Our board members have spent their careers managing, consulting or reporting in the construction industry. With over 100 years of combined experience, they bring their expertise and knowledge to the credit community.

Thea Dudley

Thea Dudley 

33 years experience

Thea has over 30 years of credit, collection management experience, developing effective shared services processes and assessing company’s back office needs to improve efficiencies. Highly skilled in all area’s of th...

Barry Dambrowski

Barry Dambrowski 

For more than 15 years, Barry has been the Credit Director for Emser Tile, the leading supplier of the world’s finest tile and natural stone, servicing over 10k active accounts for homebuilders, commercial builders, co...

Rachel Sales

Rachel Sales 

A credit & finance leader in the building material supply space for over 15 years, today Rachel is the Director of Financial Services for one of the Country’s largest roofing material distributors, SRS Distribution. S...

Craig Webb

Craig Webb 

Craig Webb is president of Webb Analytics and one of the nation’s leading experts on building material dealers and distributors. He spent 12 years as editor-in-chief of ProSales, the nation’s most honored publication...

Jen Martin

Jen Martin 

With over 25 years’ experience in the building materials industry, Jen is focused on promoting robust process and credit best practices that produce measurable results and excellence in cashflow management. A strong ad...

Jon Flora

Jon Flora 

History of accomplishments in associations, private higher education, and health care. Demonstrated leadership in raising nearly $100 million through comprehensive campaigns, major gift and annual fundraising; community ...

Get credit
management advice

Have a question on your mind you want help with? Ask a question below, and one of our advisory board members will respond.

It's free!
Can this subcontractor file a lien on my home?

Yes, they can file a lie. However, if the lien is against a single-family dwelling unit, it is a complete defense to the enforcement of any mechanics’ lien if the owner has paid its principal contractor in full before any liens are recorded. If that is the case, then the lien is not enforceable. 

Basically, you can ignore the lien unless you plan to sell your house in the next year. If that is the case, then hire an attorney and they can explain the matter to the title company. 

Can I still file a mechanic lien?

Your question indicates that you did work in April 2021 for a general contractor, and that you are still owed about $50,000.

The Illinois Mechanics Lien Act provides that subcontractors must perfect their lien by giving notice to the Owner of the property in question and all others with an interest. In short, your time has expired. I would have suggested seeking breach of contract and other forms of relief against the general, but you indicate that the general is nowhere to be found.

Sorry I don't have better news for you, but it is better to know than not. I probably don't need to point out that in the future you must act quickly and decisively to perfect your lien and to collect. Having a long-term relationship with a competent Construction Lawyer is a great way to keep this from happening again.

Best of luck! 

GA Waiver & Release of Lien and Payment Bond rights upon final payment
The actual waiver would need to be reviewed but this sounds like a potentially dangerous situation. Please contact me directly if you would like me to review the document and provide advice. Also, I am curious about whether you signed other waivers for the earlier pay apps, because you might have to take action to preserve your rights on those as well.