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According to the Daily Herald, the only people who can place a lien on your home are those who have done work or otherwise contributed to the value of your home. For example, contractors and suppliers could place a lien if you do not pay them. Other creditors, though, usually cannot put a lien on your property.
In Missouri, mechanics liens are valid for 6 months after filing. Unless you extend the lien, you have this 6 month window to enforce your lien claim if you need to. If you go unpaid for a long time, you can always file a notice of intent to foreclose to spur payment.
Missouri law states that for a lien to be perfected the date it is created, and to protect the creditor from the buyers/debtors possible bankruptcy, the notice of lien should be perfected (received by the department) within 30 days from the date of the loan.
After you file In Missouri, mechanics liens are valid for 6 months after filing.
The unpaid lien will stay on your credit report for 10 years after it is filed. After paying it off, it may stay on your credit history for up to seven years.
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Almost all construction parties have a right to file a mechanics lien in Missouri. General contractors, subcontractors, and material suppliers have lien rights, as well as equipment lessors and landscapers. An exception applies to parties working on residential projects with 1 to 4 units.
Two notices are required in Subsections 114 and 115(b) of the ACA. First, subcontractors and material suppliers must send a notice to the owner 10 days prior to filing a lien, and this notice must state the amount owed and the person who owes the amount (Subsection 114).
A subcontractor or supplier not in privity of contract with a propertys owner must provide the owner with at least 10 days written notice prior to filing a lien statement.
In Utah, an action to enforce a mechanics lien (both pre-construction or construction) must be initiated within 180 days of the date on which the Notice of Lien was filed.
To search for a lien filed by the Missouri Department of Revenue you may access or contact your county Record of Deeds office.

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