It's a shame that all folks don't operate in an honest and forthright way, but the fact is that there are less-than-ethical people out there.
Contractors have to protect themselves with lien letters, both from general contractors and homeowners who don't want to pay their bills. Subs have to protect themselves from generals. Generals have to protect themselves from subs. Homeowners have to protect themselves from all of the others (and should always check with their state agency to ensure the contractors are bonded and insured, not full protection but better than nothing!).
If you have work done on your property, on the last check, type an endorsement *on the back of the check* that says simply: "Endorsement of this check acknowledges receipt of payment in full for all labor and materials." If you've doubt the contractor is paying their suppliers, make it a joint check, but base that doubt on fact (call the supplier). Anyone endorsing the check with that on it is subject to prosecution by the court system if they, or their suppliers or employees, later try to collect more if no more work has been performed.
As for relevance in this group, it could become relevant to those who might be doing cabinetry work for sales to others which will be installed in a structure (permanent improvement). Few of us will be doing that, but for those who do, be sure you are protected if you should do a project of any size.
My construction-related experience dates back to 1978 and includes writing those lien letters at the beginning of a job, making certain subs paid their bills, etc., as well as many other things that can become nightmares to those who build and to those who are built for. That experience includes some horror stories.
Just remember to put that endorsement on the back of the final check (just above where they have to endorse the check to cash it) , *not* on the front as it means nothing on the front.
If you have specific comments or questions, please email privately.
Glenna