What is the repercussions to a homeowner if a lien is filed. I have an issue with a contractor who has not delivered the concrete patio they sold me. They told me it was a 3 day project and it has now been 30 days. They continue to tell me that they are going to fix the patio but I do not think they plan to do it correctly. I have said the patio needs to be completed correctly or final payment will not be made. They have said if I don't pay they will file a lien and it applies immediately and will shut down any other work on my property by other trades and I would not be able to rent out my home while we argue thru the courts. Is this true? My understanding is the lien goes against the property and if I want to sell or refinance the home is when it would affect me. Which is correct or if both are wrong what is the process?