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deal with construction-related payment disputes. The term "lien" comes from the French root (via card credit gmac mortgage the Conqueror), with a meaning similar to link; it is 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 and effort a carpenter puts card credit gmac mortgage 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 supply company that delivers card credit gmac mortgage 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 lunchtime. There is no simple dividing line that is useful in every state, or even card credit gmac mortgage every case. Often, determining whether a party has a legitimate lien right depends on examining other cases that have either upheld or rejected lien claims in the same state. ``This could have incredible implications for the real estate market,'' said Robert Aalberts, card credit gmac mortgage 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 finances or, worse, to forestall a foreclosure. Also at risk are card credit gmac mortgage of recent home buyers who stretched to buy homes using interest-only loans, ``option ARMs'' and other 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 card credit gmac mortgage their losses if their homes were severely damaged by an earthquake, mudslide or other natural disaster -- and they try to hand the keys back to card credit gmac mortgage lender. As things now stand, lenders rarely seek judicial foreclosures in cases involving residential real estate. The obvious practical reason is that lenders typically foreclose as a last resort, and homeowners are broke and
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