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A mechanic's lien is placed on property to ensure payment for a contractor's work. Homeowners want to avoid mechanic's liens because they can cause foreclosure.Mechanic's liens create a cloud on title, and appear in public property records. Mechanics' liens are one of the most important legal tools at the disposal of contractors, subcontractors, and suppliers. A mechanic's lien is a legal guarantee of payment to builders, contractors, and subcontractors for the building or renovation of a property. A mechanic's lien is a legal claim on a property that helps ensure they guarantee payment. This Notice and Affidavit of Construction Lien and Notice to Owner must be filed and served upon the Owner within 1 year of completing the services. A summary of key aspects and features of mechanic's lien laws in all 50 states. Could you please explain Maryland's mechanic's lien law and how it affects remodeling work and home improvements? Rod Stroup,. Advertisement.