"...relies on their local title company to offer them the best protection available."? What a ridiculous concept. The borrower may be incurring legal liabilities. The title companies are not in a position to offer legal advice or representation to a borrower, and should be sued for an unauthorized practice of law in the event that the borrower follows the advice and suffers damages.

There was a time when the no one would consider the acquisition of title or the refinance of property without legal representation. Leaves one only to wonder if we would be experiencing the number of foreclosures today had the borrowers sought legal representation rather than relying on the advice of title companies, loan officers, and lenders....but who needs those expensive attorneys....pay the money to the title companies instead...and regret in the years ahead. I have sat at closing tables , and heard loan officers and title companies offer answers to the borrowers' questions that were insane.

In Connecticut mechanic's liens are voidable if not recorded within 90 days after the completion of "substantial work". This prevents the possibility of a contractor sneaking back on to the property to do some minor work to extend the 90 day period. If a mechanic's lien is recorded it becomes void unless a foreclosure action is commenced within 1 year afterward. Although it is recommended that a release be obtained even under those circumstance or that an action be commenced to discharge an invalid lien.