Robert Hively paid Window Masters about $15,000 for new windows, siding and gutters.

He was thrilled with the job until he got a shocking letter in the mail. It was a lien from the company sub-contracted to install gutters on his home.

"When I saw it was from the gutter company, I thought 'Why did they put a lien on my property?'" said Hively.

Ruth to the Rescue found out that Window Masters went out of business and never paid the gutter company. So, the gutter company placed a lien against Hively's house.

It's perfectly legal, even though Hively never contracted with them directly.

To protect yourself, ask your contractor for a list of all sub-contractors on your job, and the value of work they're performing.

Also, make sure your contractor is licensed.

Find Out More About Michigan Lien Laws.