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prevents lenders from going after more than just the home. Refinancing frees lenders to go after cars, savings and brokerage accounts, unrelated conversion german historical mark rate estate holdings and other assets to make up the difference -- even if it takes a decade or more to square the debt. The risks are small when home values are zooming as they are today. But some experts warn that could change if the state's housing market conversion german historical mark rate or if there is a major natural disaster, such as an earthquake. Lenders also will get more leverage starting today because sweeping changes to federal bankruptcy laws make it much harder for Americans to wipe conversion german historical mark rate debts in court. A mechanics lien is a hold on real property for the benefit of someone whose work or property improves the property. It is called by various names, including materialman's lien, supplier's lien, laborer's lien and others. Through "perfecting" a lien, the technical term for establishing a mechanics lien, the owner's title to the property suffers an interference that will have to be conversion german historical mark rate before the owner can restore clear title. Generally, a lien would only arise if there is a payment dispute, although some states (e.g. California) require pre-lien notices at the beginning of a project. Since real property ownership is mostly a function of state law, establishing a mechanics conversion german historical mark rate is mostly a process governed by state law, in particular a mechanics lien statute. The process for perfecting a mechanics lien conversion german historical mark rate significantly from state to state. However, common parts of the process of perfecting a mechanics lien include notice to the owner and to other persons or entities involved in the construction project, and also the drafting and filing of a document with the government office that records conversion german historical mark rate or titles to land. Mechanics liens are also sometimes known as contractors liens and construction liens. Historically, the term "mechanic" once referred to any person who performed skilled labor, not limited