What to do when a contractor stops showing up

A contractor genuinely overcommitted, juggling too many jobs and stretching everyone thin. A contractor in financial trouble, using your deposit to finish someone else's project. Or a contractor who has effectively abandoned the job. They look identical from your kitchen, but they need different responses. The first usually resolves with firm scheduling pressure. The second rarely resolves by paying more. The third needs formal escalation, and the sooner you recognise it the better your position.

The instinct when work stalls is to release the next payment to restore goodwill, and it is almost always the wrong move. Payment should track completed and inspected work. Once you have paid past the work that exists, your only remaining leverage is legal rather than financial, and that is a far slower and more expensive kind of leverage. If you are already ahead, stop there. Do not release further funds against promises.

Whatever has been verbal until this point, move to written. Email or text, not phone calls. Summarise where the project stands, what remains, what was agreed, and what date you expect the next work. This is not about building a legal case, though it may become that. It is that written communication changes behaviour on its own — a contractor who is avoiding an awkward conversation finds it harder to avoid a written record. Keep photographs of the current state, dated.

If informal pressure produces nothing, send a formal notice: a clear statement of what is incomplete, a specific date by which work must resume, and a statement of what you will do if it does not. Send it in a way that produces proof of delivery. This is frequently the step that resolves it. A contractor juggling too many jobs prioritises the client who has escalated formally, because that is the one that becomes a problem otherwise.

This is where hiring a licensed contractor pays for itself. Most states operate a complaint and dispute-resolution process for licensed contractors, backed by the bond they were required to carry. Filing a complaint is free or inexpensive, it creates a record attached to their licence, and licensed contractors care about that record in a way they may not care about your emails. If you hired someone unlicensed, this route does not exist, and the courts are the only path. That asymmetry is the single most practical argument for checking a licence before you hire rather than after.

A surety bond is not an insurance policy that makes you whole. It is a limited fund that can be paid out on an upheld claim, and it is shared among everyone claiming against that contractor. If several homeowners have valid claims, the money divides. Knowing this matters because it sets expectations. The bond is a floor, not a guarantee, and it is a reason to act early rather than late — claims are settled against a finite pool.

At some point you may need someone else to finish. Two cautions. First, document the state of the work thoroughly before anyone else touches it, with photographs and ideally a written assessment — once a second contractor starts, attributing defects becomes far harder. Second, expect a premium. Finishing someone else's work means inheriting their mistakes without having seen them made, and good contractors price that risk or decline the job entirely.

Almost every version of this situation traces back to two things at the start: a payment schedule not tied to completed milestones, and a contract vague about scope and timeline. Neither is difficult to get right. A deposit sized to materials rather than to a large share of the contract, payments at inspected stages, and a meaningful final payment held until the punch list is genuinely finished removes most of the exposure before it exists.

Keep the signed contract, approved changes, payment proof, permits, inspection results, photographs and a dated communication log in one place. State the unfinished scope and requested response in writing without exaggeration. Oregon CCB publishes consumer guidance and a complaint process, but the correct route depends on the contract and facts. A complete record helps the contractor respond, helps a replacement contractor assess the site and supports professional or legal advice if escalation becomes necessary.