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A listing of Personal Services in the South Bay Los Angeles Area A listing of Professional Business and Financial Services in the South Bay Los Angeles area A listing of Contractor and Construction Services in the South Bay Los Angeles area A listing of professionals, contractors, and personal services in the Torrance, Manhattan Beach, Hermosa Beach, Redondo Beach, Gardena, Lomita, Carson, El Segundo, Hawthorne, Lawndale, Rancho Palos Verdes, Palos Verdes Estates, Inglewood, and the Los Angeles area. A listing of professionals, contractors, and personal services in the El Segundo area A listing of professionals, contractors, and personal services in the Torrance area A listing of professionals, contractors, and personal services in the Manhattan Beach area A listing of professionals, contractors, and personal services in the Hermosa Beach area A listing of professionals, contractors, and personal services in the Redondo Beach area A listing of professionals, contractors, and personal services in the Gardena area A listing of professionals, contractors, and personal services in the Lomita area A listing of professionals, contractors, and personal services in the Palos Verdes Estates area A listing of professionals, contractors, and personal services in the Rancho Palos Verdes area A listing of professionals, contractors, and personal services in the Inglewood area
A listing of professionals, contractors, and personal services in the Hawthorne area A listing of professionals, contractors, and personal services in the San Pedro area A listing of professionals, contractors, and personal services in the Carson area A listing of Job and Employment opportunities in the South Bay Los Angeles area
Tips and Information Related to Additions-Remodeling; View or Submit Your Tips and Info Here!
Submitted By:  South Bay Business Register
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Understanding Your Payment Options
By Federal Trade Commission Consumer Protection Division
You have several payment options for most home improvement and maintenance and repair projects.

For larger projects you can get your own loan or ask the contractor to arrange financing. For smaller projects, you may want to pay by check or credit card. Avoid paying cash. Whatever option you choose, be sure you have a reasonable payment schedule and a fair interest rate. Here are some additional tips:

  • Try to limit your down payment. Some state laws limit the amount of money a contractor can request as a down payment. Contact your state or local consumer agency to find out what the law is in your area.
  • Try to make payments during the project contingent upon completion of a defined amount of work. This way, if the work is not proceeding according to schedule, the payments also are delayed.
  • Don't make the final payment or sign an affidavit of final release until you are satisfied with the work and know that the subcontractors and suppliers have been paid. Lien laws in your state may allow subcontractors and/or suppliers to file a mechanic's lien against your home to satisfy their unpaid bills. Contact your local consumer agency for an explanation of lien laws where you live.
  • Some state or local laws limit the amount by which the final bill can exceed the estimate, unless you have approved the increase. Check with your local consumer agency.
  • If you have a problem with merchandise or services that you charged to a credit card, and you have made a good faith effort to work out the problem with the seller, you have the right to withhold from the card issuer payment for the merchandise or services. You can withhold payment up to the amount of credit outstanding for the purchase, plus any finance or related charges.

Copyright 2001, 2002, 2003 © South Bay Business Register, South Bay Business Register, and Federal Trade Commission Consumer Protection Division. All rights reserved.
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