About Us

In 2002, under the leadership of Chairman Stan DeGroot, CCE, NACM began serious consider­ation of a construction-focused division. In 2006, the National Board’s Products and Services Work Group, led by Phyllis Truitt, CCE, confirmed the existence of a large number of construction-oriented members seeking a national lien service alternative. In early 2007, the Board, under Mark Tuni­ewicz, CCE’s leadership, approved the formation of the Mechanic’s Lien & Bond Services division of NACM. MLBS focuses on providing products and services to meet the needs of construction-oriented credit professionals across the country. In April 2007, MLBS released the Lien Navigator, The credit professional’s guide to notice, lien, payment bond and suit time requirements.

In addition to the Navigator, MLBS offers NTO services, a lien and bond claim filing program and a suit against bond and foreclosure service.

A Look Back…

In NACM’s (National Association of Credit Men’s) 1910 Credit Man’s Diary – the precursor to today’s Manual of Credit and Commercial Laws – NACM published its first state-by-state lien and bond time requirement guide. “A mechanic’s lien is a special statutory lien on buildings and other improve­ments upon realty and the land on which they are situated, in favor of certain designated classes of persons, to secure to them compensation for the work and labor which they have performed in, or the material they have furnished for, the construction, and, in many jurisdictions, the repair or alter­nation of such building or improvements,” began the chapter on “The Mechanic’s Lien Law”.

The 1910 guide tells us the time frame for a notice in Texas is 90 days after the indebtedness becomes due. We believe this information is out of date. And by the way, where were the Alaska requirements?

The rationale behind providing the Navigator is to provide a quick, convenient on-line guide to the state-by-state lien and bond time requirements at a reasonable cost. Equally impor­tantly, we wanted the information to be current. The Lien Navigator is updated as statutes change. In addition, if you have questions, call us. We’ll use all the resources at our disposal to answer your questions and provide practical solutions to managing the entire lien process.

NACM has provided lien information to the credit community for almost 100 years, The Lien Navigator takes that vision to the next level.

Lien Navigator Disclaimer:

The materials on this web site have been prepared and published for informational purposes only and are not legal advice. Neither access to these materials, nor their transmission or receipt is intended to create an attorney-client relationship. The materials concern topics selected for general dissemination, and are offered on a blind basis without any knowledge of your industry, identity or specific circumstances. There may be delays, omissions, or inaccuracies in information contained in this website. The materials in this site should not be relied upon or used as a substitute for professional consultation and advice, generally or in a particular case. Before you make any decision that may have legal implications, you should consult with a qualified legal professional for specific legal advice tailored to your situation.


All service requests are prioritized by state and date. MLBS requires a minimum 10 day lead time for all notices (pre-liens) to assure adequate time for investigation, preparation and mailing. MLBS requires a minimum 2 weeks for all Mechanic’s Lien requests, and because of title work, recommends a minimum of 3 week prior to a deadline.


It is understood and agreed that MLBS will use its best efforts to serve or file the above requested document and that MLBS is providing its services through sources it deems to be reliable and MLBS shall not be responsible or liable for claims for damages for any reason whatsoever, including claims for any special, punitive, incidental, or consequential damages, or claims for lost profit.


The undersigned hereby authorizes the above service on behalf of the company mentioned above. It is the responsibility of the undersigned to ensure accuracy of information and sufficient time allowance for filing. MLBS is not responsible for any incorrect information furnished or receipt of information after the required time periods. MLBS can only serve or file documents based on the information provided.

National Association
of Credit Management

8840 Columbia 100 Pkwy.
Columbia, MD 21045
Phone: 410-740-5560
Fax: 410-740-5574

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