A Tennessee residential contractor completes a $75,000 home addition project. The homeowner refuses to pay the final $15,000. How many days does the contractor have to file a mechanic's lien after completion of the work?
Correct Answer
A) 90 days
Under Tennessee lien law, contractors have 90 days from completion of work to file a mechanic's lien.
Why This Is the Correct Answer
Tennessee lien law provides contractors 90 days from the last day of furnishing labor or materials to file a mechanic's lien. Missing this deadline extinguishes the lien right, leaving the contractor to pursue other remedies such as breach of contract claims.
Why the Other Options Are Wrong
Option B: 180 days
180 days is twice the actual deadline. Waiting 180 days to file would cause the contractor to lose their lien rights entirely. This number may be confused with the deadline to enforce (sue to foreclose) an already-filed lien.
Option C: 120 days
120 days is not the Tennessee filing deadline. Some candidates confuse this with the time to enforce or with deadlines in other states. The filing deadline is 90 days.
Option D: 60 days
60 days is shorter than the actual 90-day window. While filing earlier is always prudent, 60 days is not the statutory deadline and would unnecessarily shorten the contractor's response time.
Memory Technique
Think '90 days = 3 months to lien.' When a homeowner stiffs you, you have a full quarter (3 months) to protect your interests with a mechanic's lien. Three months = 90 days.
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