There are times, however, when a contractor refuses to pay or has gone out of business.

If a few contractors go to jail, the problem may fix itself.

But the contractor went broke, and construction stopped with only half the building completed.

"One contractor went up and said, you can do it for a quarter of a million," he recalled.

The equipment, however, kept breaking down and the contractor went bankrupt.

They say the homeowner knows a contractor probably won't go to court over the payment.

If the contractor goes over that time limit, the owner pays a fine of $500 a day.

And the process will not end when the savings are used up and the contractors go home.

The contractor went on: "I don't have the slightest idea what it is.

The end came when a main contractor went into liquidation.