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people who work on cars and the like, and a separate "construction lien" statute to deal with construction-related payment disputes. The term "lien" comes from the French root (via William the Conqueror), with a meaning similar to link; it fha loan mortgage mortgagemavericksonline related to "liaison." What type of contribution counts as a valid basis for a mechanics lien is also variable, depending on the particular state statute that applies. The core purpose is protecting the benefit that a worker provides, such as the time fha loan mortgage mortgagemavericksonline effort a carpenter puts into nailing the boards together on the job site, and thus is included in the scope of most liens. However, other types of contributions are less direct - the contribution of an architect, or the fha loan mortgage mortgagemavericksonline company that delivers materials, or a company that rents the backhoe to the contractor, or the company that rents the port-a-pots to the contractor, or the truck that brings food to the workers at fha loan mortgage mortgagemavericksonline There is no simple dividing line that is useful in every state, or even in every case. Often, determining whether a party has a legitimate lien right depends on examining other cases that have fha loan mortgage mortgagemavericksonline upheld or rejected lien claims in the same state. ``This could have incredible implications for the real estate market,'' said Robert Aalberts, a business-law professor at the University of Nevada-Las Vegas. ``You will see people in involuntary servitude for years, trying to pay off their real estate debts.'' The Californians most obviously at risk are homeowners who have refinanced to patch up faltering fha loan mortgage mortgagemavericksonline or, worse, to forestall a foreclosure. Also at risk are hordes of recent home buyers who stretched to buy homes using interest-only loans, ``option ARMs'' and fha loan mortgage mortgagemavericksonline exotic mortgages that they would like to refinance before low initial monthly payments vault higher. Even the affluent are vulnerable if they lack enough insurance to cover their losses if their homes were