Firstly, if you discover that your contractor is not actually licensed in a jurisdiction where licensing is required, you should consider canceling your contract, and obtaining a refund of your initial deposit. This is most easily done when you have made only a down payment, and the charge was to your credit card (not debit card, check card, or checking account). If the contractor refuses to refund your money, contact the credit card company right away to request a dispute. Some credit card companies require you write a letter to dispute fraudulent credit card charges within 60 days after you get the disputed bill. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes; but refuse to reverse the charges. If this occurs, complain to a manager; and let them know you will be filing complaints.

You should always pay any contractor with a credit card or through a loan agreement. Payments made with a credit card give you the oppor­tunity to dispute charges when things go wrong! If  the contractor doesn't accept credit cards, you may want to reconsider hiring them.

If it is later in the game or payments weren't made with a credit card, there is still hope. Check your state / local laws; many "require unlicensed home improvement contractors to return all of the money they receive from a homeowner - even if they complete the job and the homeowner is satisfied with the work. This, of course, requires litigation, and depending on the amount of that deposit, you may decide that legal involvement is just not worth the effort."

Review your contract; look for what is called a 'Binding Mandatory Arbitration (BMA)', 'Binding Arbitration Agreement', or 'Arbitration Clause', usually on the back in the Terms and Conditions. If such a clause is present, you have now entered the twisted world of "kangaroo courts." Much of the advice on this page does not apply, as you have signed away many of your consumer rights, perhaps even your right-to-file complaints. More

Contractor not reporting to work? You should advise him (in writing and by phone if you can reach him) that he must resume work immediately. Give him a few days, to respond. If you get no response, you may be able to deem the contract to have been breached, and find another contractor to complete the work. A quick question to an attorney may be vital to make sure you are within your rights. Your state may have timelines and stipulations such as 'Right to Cure' laws, which very much constrain your rights in this predicament.

If minor (fixable) problems arise during or soon after construction:

Try to resolve it with your contractor. He or she may make corrections willingly.

If the contractor is unwilling to correct problems to your satisfaction - Depending on how the conversation went, you may want to consider not creating too much flack at the moment. Instead, allow him to continue the job until your property has protection against the elements; but DON'T PAY HIM anymore. Remember, if he's not honorable enough to address your concerns, he may just walk off the job. You're playing the game now.

If your contractor still refuses to correct what you have pointed out, notify the contractor of your discontent. Follow any phone conversations (possibly tape them; check your state laws) with a letter you send by certified mail, return receipt requested. That's your proof that the company received your letter. Keep a copy for your files.

There is another issue that you ought to take into account - MOLD. "For molds to grow and reproduce, they need a food source - any organic material, such as leaves, wood, paper, natural fabrics, or dirt - and moisture." So you have to ask yourself several questions. Is your project exposed to the elements? What is the weather forecast? Are there any leaks and where are they? It's important to know that molds can begin growing within 24 to 48 hours of a water event; so stopping the flow of water and drying out materials, without delay, reduces the potential for mold growth. Drying is much more difficult, costly, and time-consuming if water leaks into an enclosed area (like the interior of a wall) where there is little chance for speedy evaporation; but it is imperative. So ask yourself, how much time should you allow your contractor to return or make repairs, before you start seeking advice or another contractor to protect your home? Granted, mold infestations are much more prevalent in the southern states; but dangerous, life threatening, molds are also found in the northern states.

Identifying Mold: Mold growth on surfaces can often be seen as a colored spot, frequently green, gray, brown, black or white. Actively growing molds typically produce odors, sometimes described as similar to mildew or ammonia.

If you suspect a serious problem with shoddy home construction:

Consider giving the company a chance to fix the problem to your satisfaction. You may have no choice anyway in those states with "Right to Cure" laws. But don't accept cosmetic repairs that will cause ongoing maintenance and / or structural decay, and don't let warranties or statutes expire while you wait.

Still no luck? Don't give up now! Next, you should get some type of home inspection to verify the defects. You can either hire a private inspection service or a licensed engineer. The National Academy of Building Inspection Engineers, www.nabie.org, can make a referral for an engineer. For a structural analysis, expect to pay $100 to $150 an hour.

No Cost Option: If you seriously question the quality or structural integrity of your project, consider contacting your local Code Enforcement Officer. Although building inspectors won't take sides, they also have an interest in ensuring that work is in accordance with building standards and codes. {You may create more difficulties by doing so, if you did not make sure that the contractor obtained the required building permit(s). The inspector may be duty-bound to cite you, the homeowner, for not getting a permit.}

Next, file complaints QUICKLY. The most effective way to complain about a contractor it to hit him where it hurts; go after his license, if your state requires one. File a formal, written complaint with the state building and regulatory authorities that license contractors in your state. It could be the home improvement commission, the board of contractors, or the department of licensing and regulation. Also, file complaints with the BBB, your state and local consumer-affairs departments, your state attorney general, and the Federal Trade Commission.

You don't have to accept shoddy or unsafe work. However, if that is what you've got, you're in for a big hassle. I still haven't gotten resolution for my problems. That's why it's so important to do your preparation before hiring a contractor, and also so important to oversee the project; be informed.

File a complaint with your State Attorney General. However, State and Federal agencies are rarely able to act on behalf of individual consumers; complaints are used to document patterns of abuse that may allow the agency to take action against a business or contractor. So while it's important to file this complaint, do not depend on it as a cure all.

Your complaints should include a complete description of the problem, the name, address, telephone number, and license number of the contractor. Be sure to furnish the agencies with copies (never send originals) of relevant documents, including:

• inspection report(s)
• contracts, change orders, and any other papers relating to your project
• photographs of the problems
• guarantees
• warranties
• advertisements
• cancelled checks (both front and back) or other proof of payments made

Consider contacting the following organizations for further information and help:

This USA.gov Website suggests that you consider checking into media programs. Local newspapers, TV, and radio stations often have Action Lines, consumer reporters, or Hotline services that try to resolve consumer complaints they receive.

Highlighted Resource:
Call for Action, Inc. (CFA) is a nonprofit network of consumer hotlines affiliated with local broadcast partners. Their hotlines are staffed by volunteer professionals, who are trained to assist consumers through mediation and education in order to resolve problems with businesses, government agencies, and other organizations. Services are free, confidential, and available to individuals as well as small businesses. Go to www.callforaction.org for the most up-to-date list of offices (TV and radio stations). Consumers in locations not listed should call the Network Hotline at 301-657-7490.

Most people don't file complaints - they figure, "What's the use?" I say, file a simple complaint with everyone - Attorney General, Better Business Bureau, Better Contractor's Bureau, Consumer Protection Board, Chamber of Commerce, Federal Trade Commission, manufacturers, and any other memberships. In this situation, it's not the quality of the complaints; it's the quantity of complaints. Your complaints don't have to be long and complicated; they just have to be added to other peoples' complaints. You should file these complaints so that other innocent people will be able to see the true nature of your contractor as they research contractors who they may possibly hire. You must file these complaints QUICKLY, before your contractor gets his or her lawyer(s) involved. Once lawyers are involved, consumer protection agencies may not want to touch it. The lady at New Jersey's Consumer Protection backed out of my case stating that both GAF and Eagle Construction had lawyers; and she could not go up against them, as she not a lawyer. So I guess that means that any company in New Jersey can get away with practically anything, as long as they retain a lawyer's services. Now that's out in the open, I suspect unscrupulous companies will flock to NJ. New Jersey should rethink their system pretty darn quick.

Report Legal Violations, Fraud, and Safety Hazards

People who have no intention of delivering what is sold, who misrepresent items, send counterfeit goods, or otherwise try to trick you out of your money, are committing fraud.

If you think your contractor (or a lender) is fraudulent, be sure file complaints with the Federal Trade Commission, and possibly the police, and state or city office of banking.

"Reporting fraud promptly improves your chances of recovering what you have lost, and helps law enforcement authorities stop scams before others are victimized."

NYS has some penalties that can be used against Contractors: "A customer may sue for actual damages, plus a $500 penalty and reasonable attorneys' fees if the contractor has used fraudulent written statements to get the customer to sign the contract. The Attorney General is also authorized to go to court to stop illegal practices and order contractors to compensate defrauded customers. Contractors can also face $100 civil fines for violating the Home Improvement Contract Law, and fines from $250 to $2,500 for violating provisions of the law dealing with the protection of a customer's payments."

Violations of Federal laws should be reported to the Federal Agency responsible for enforcement.

The Bible tells us to protect those who can't protect themselves (Psalms 140) and to expose evil deeds (Ephesians 5:11-14). You can do both of these things by filing complaints!

As a last resort, consider retaining a lawyer who specializes in construction-defect lawsuits. It won't be easy to find one, as legal expertise and construction expertise can't usually cohabit in the same mind; but your local bar association may be able to help you find one. You may be able to sue the contractor (or a lender) using state or federal laws. Take it to Court? I don't advise it. You should review my page, "Our Legal System" before you decide to pay a lawyer big bucks.