I mean, once someone decides (for whatever reason) they are not going to pay, we are skru'd, there is NOTHING anyone can do that ultimately ensures they will pay... So really, why pay at all? Why pay anybody? Ok so you can't walk in a grocery store and not pay for groceries, that would be stealing, but what about eating a meal at a restaurant, then just don't pay. Why not? What can anyone do about it? NOTHING! Civil court? Bullcrap, they still don't have to pay. Garnishments, liens, bank account seizures? Worthless crap, you have to INFORM them you're going to DO it FIRST! And with the mechanic's lien, sheee, they have the option of doing absolutely nothing and 6 months later the lien disappears or can be removed without much further ado. Ok there IS another piece of paper one can file but does it really DO anything? Every filing costs money, and guess who has to cough this up? what happens when the law don't help ...? (it doesn't, not when it gets down to the final, bottom line).