California attorney · CA Bar #279869

California contractor deposit dispute attorney

I'm Sergei Tokmakov, a California attorney. If a California contractor took your deposit and disappeared, took more than the legal limit, or refuses to refund the unearned portion, Bus. & Prof. Code § 7159 caps the deposit at 10% or $1,000 (whichever is less) and Bus. & Prof. Code § 7031(b) gives you full disgorgement when the contractor was unlicensed. I draft the letter and run the CSLB complaint and bond-recovery tracks in parallel.

1,500+contracts drafted
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Cal. Bus. & Prof. Code § 7159(d)
Quick answer

California Bus. & Prof. Code § 7159(d) caps the down payment on home improvement contracts at 10% of the contract price or $1,000, whichever is less. A contractor who collected more violated the statute and owes the excess back. Bus. & Prof. Code § 7031(b) goes further: an unlicensed contractor must disgorge all compensation regardless of work quality. The Contractors State License Board (CSLB) complaint runs in parallel as a regulatory track and opens the path to recovery from the contractor's mandatory $25,000 license bond. Most cases resolve in two to six weeks with the attorney letter; abandoned-license or unlicensed contractors require the lawsuit plus bond claim.

10% cap
B&P § 7159 deposit limit
Disgorgement
B&P § 7031 remedy
Per project
Cap applies separately
Fees
Recoverable under § 7159

What I do for contractor deposit disputes

1

Quote B&P § 7159 10% deposit cap.

California caps contractor deposits at 10% of contract price or $1,000, whichever is less, on home-improvement contracts. I quote § 7159 and demand the overpayment back.

B&P § 7159
2

Invoke § 7031 disgorgement if unlicensed.

An unlicensed contractor disgorges every dollar paid under B&P § 7031. I screen license status with CSLB and invoke disgorgement if the contractor was unlicensed during performance.

B&P § 7031
3

Calendar a CSLB complaint as parallel pressure.

A CSLB complaint runs parallel to civil collection and pressures the contractor's license. I calendar it as part of the demand-letter strategy.

4

Send the letter, deliver the complaint.

On the $1,200 tier I add a court-ready complaint with the § 7159, § 7031, and breach counts. USPS certified mail with signature plus email delivery.

Why this calls for an attorney, not a small-claims filing

DIY / template

What a self-written letter misses

  • Treats overpayment as a contract dispute
  • Misses B&P § 7159 10% deposit cap
  • Cannot invoke § 7031 disgorgement on unlicensed work
  • Lets the contractor keep the deposit by default
Attorney letter

What the attorney letter does

  • Quotes B&P § 7159's 10% deposit cap
  • Invokes B&P § 7031 disgorgement if the contractor is unlicensed
  • Calendars CSLB complaint as a parallel pressure point
  • Demands fees recoverable under the statute

California's 10% deposit cap and B&P § 7031 disgorgement are unforgiving, an unlicensed or over-collecting contractor pays back every dollar.

The controlling law

Cal. Bus. & Prof. Code § 7159(d)

This authority caps the down payment on home improvement

This authority caps the down payment on home improvement contracts at 10% of the contract price or $1,000, whichever is less. The cap applies to most residential improvements (remodels, room additions, roofing, HVAC, plumbing, similar work). § 7159(b) requires the contract to disclose the cap. Violations are misdemeanor offenses and grounds for CSLB license discipline. § 7159(c) requires written contracts with specific elements (contractor name and license, contract price, payment schedule matching work schedule, notice of cancellation, Notice to Owner).

Cal. Bus. & Prof. Code § 7031

The unlicensed-contractor framework

This authority is the unlicensed-contractor framework. § 7031(a) bars an unlicensed contractor from recovering compensation for work requiring a license. § 7031(b) goes further: it allows the person who paid the unlicensed contractor to recover all compensation, regardless of work quality. This is the strongest remedy in the framework and survives even when the work was substantially performed and the customer was satisfied with quality.

CSLB authority

Sits under bus

Sits under Bus. & Prof. Code § 7000 et seq. CSLB investigates complaints, can suspend or revoke licenses, and administers the contractor license bond ($25,000 for general and most specialty licenses, $15,000 for some categories). The bond is a recovery source for customers harmed by licensee conduct; bond claims are separate proceedings.

Mechanic's lien framework, Civ. Code § 8400 et seq.

Contractors and subcontractors can record liens against property for

Contractors and subcontractors can record liens against property for unpaid amounts within specific time windows. The preliminary 20-day notice under Civ. Code § 8200 is a prerequisite for some claimants. A lien on work not performed (the contractor who took your deposit and walked) is invalid and exposes the contractor to slander-of-title and wrongful-lien claims under Civ. Code § 8424 (lien release procedure) and case law.

Bus. & Prof. Code § 17200

(unfair competition law) is a frequent companion claim for

(Unfair Competition Law) is a frequent companion claim for § 7159 violations. § 17200 broadens the recovery framework and opens the door to restitution and injunctive relief.

The math on a typical case. A $40,000 kitchen remodel with $15,000 paid up front. Legal deposit cap: $1,000 (because 10% of $40,000 = $4,000, but the statute caps at the lesser of 10% or $1,000). Excess deposit: $14,000. If the contractor walked and performed no work: $15,000 refund owed. If the contractor was unlicensed and performed half the work: $7,500 disgorgement under § 7031(b) on top of the deposit-cap claim. Plus CSLB bond exposure of up to $25,000. The contractor sees the math, runs it again, and usually refunds.

What clients send me

The strongest contractor deposit letter is built from the contract, the payment records, and the work documentation. Before drafting, I ask for:

  • The contract or proposal you signed with the contractor (any version, even handwritten or email-only)
  • Every payment record: check copies, ACH transfers, credit card charges, with dates
  • The contractor's CSLB license number (or evidence they have no license, if relevant)
  • Photos and dates of the work performed (or not performed): before, during, and after
  • Text messages and emails with the contractor for the duration of the project
  • Any change orders or modifications agreed to during the project
  • Notice of cancellation or attempted cancellation, if any
  • Any liens recorded against your property, with the recording date and amount
  • Witnesses to the contractor's work or non-performance (neighbors, other tradespeople, inspectors)
  • The contractor's last known address and any business entity name (sole proprietorship, LLC, corporation)

If documentation is incomplete, send what exists. I tell you what's missing and whether the gaps are fatal before quoting.

What I send back

$575

What you get

  • A three-to-five-page attorney demand letter on Terms.Law / Sergei Tokmakov, Esq. letterhead with my CA Bar number
  • Recitation of the contract terms, deposit amount, and § 7159 cap
  • Calculation of refund owed (excess deposit plus unearned portion)
  • Citation to § 7031(b) for unlicensed-contractor cases
  • Reference to the CSLB complaint that will follow if no resolution
  • License-bond exposure quantified
  • USPS certified mail to license-of-record address plus email delivery
  • Three revisions before sending
  • Three negotiation responses after delivery

How the engagement runs

1
Send facts

Email a paragraph + key documents.

2
Identify theory

I map the facts to the CA statute.

3
Draft letter

Attorney letter on letterhead.

4
You approve

Two revision rounds included.

5
Send certified

USPS certified + email delivery.

6
Negotiate

Three negotiation responses included.

Choose your path

Start here if

Case memo

$349
  • You want a written legal evaluation first
  • You may refer to a contingency firm later
  • Statute or evidence questions are unsettled
Accept memo - $349
Start here if

Demand + draft lawsuit

$1,200
  • Counterparty needs to see the lawsuit is real
  • Multiple claims or institutional defendant
  • You may file pro se after the demand
Accept package - $1,200

Pricing

Attorney Demand Letter

$575 · flat fee
  • Attorney letter on CA Bar #279869 letterhead
  • § 7159 + § 7031(b) framing
  • CSLB complaint signal
  • USPS certified mail + email delivery
  • Three negotiation responses after delivery
  • Standard turnaround 3-5 business days

Frequently asked questions

You
What is the legal deposit limit for California contractors?
S
California Business and Professions Code § 7159(d) caps the down payment on home improvement contracts at 10% of the contract price or $1,000, whichever is less. The cap applies to most residential improvements, including remodels, room additions, roofing, HVAC, and similar work. A contractor who collects $5,000 up front on a $20,000 contract has violated the statute. The customer is entitled to refund of the excess deposit. The contractor faces CSLB enforcement and possible license discipline.
You
What does the attorney letter actually do?
S
Three things at once. First, it puts the contractor on notice of the § 7159 violation and demands a refund of the excess deposit and any unearned portion of the down payment. Second, it lays out the parallel tracks (CSLB complaint, civil litigation, mechanic's-lien response if liens have been filed) so the contractor sees the full exposure. Third, it cites the contractor's license-bond as the recovery source if the contractor refuses to pay (CSLB-licensed contractors must maintain a $25,000 license bond and a $1,000 disciplinary bond is sometimes layered). Most contractors refund or restart the project once the letter arrives.
You
How does a CSLB complaint work alongside the letter?
S
The Contractors State License Board complaint runs as a parallel track to the attorney letter. CSLB investigates contractor conduct (license violations, abandonment, fraudulent practices, deposit violations) and can suspend or revoke the license. The CSLB complaint also opens the path to recovery from the contractor's license bond. The attorney letter and the CSLB complaint are stronger together: the letter creates settlement pressure with the contractor directly; the CSLB complaint creates regulatory pressure that contractors take seriously because their livelihood depends on the license.
You
What happens if the contractor is unlicensed?
S
Unlicensed contractor work in California is a disgorgement case. Bus. & Prof. Code § 7031(a) bars an unlicensed contractor from recovering compensation for any work that required a license, and § 7031(b) allows the customer to recover all compensation already paid to the unlicensed contractor, regardless of the quality of the work. This is the most powerful remedy in the contractor-dispute toolkit. The demand letter cites § 7031(b) and demands full refund of every dollar paid. If the contractor refuses, the lawsuit recovers everything.
You
Can the contractor file a mechanic's lien against my home?
S
Yes, contractors can record mechanic's liens under Civ. Code § 8400 et seq. for unpaid amounts. The lien has to be recorded within specified time limits and the underlying work has to have been actually performed. A contractor who took your deposit and walked away cannot validly lien for work not performed. If a lien has been filed, the demand letter addresses release of the lien as part of the resolution and the lawsuit (if filed) includes a slander-of-title or wrongful-lien count. California's preliminary 20-day notice requirement also gives leverage when the contractor failed to serve it.
You
What is the home-improvement-contract documentation requirement?
S
Bus. & Prof. Code § 7159 requires written home improvement contracts that contain specific elements: contractor name, license number, contract price, description of work, payment schedule that matches the work schedule, a notice of cancellation, a Notice to Owner, and the down-payment-cap disclosure. A contract missing required elements is voidable at the customer's option in some circumstances. Even where the customer chooses to enforce, missing disclosures provide leverage in the demand letter and underlying litigation.
You
How fast does this usually move?
S
Two to six weeks for most matters. The attorney letter gets a response within ten to fifteen business days of certified-mail receipt. CSLB complaints take longer (CSLB investigation runs months) but the existence of the complaint and the threat of license action drives short-term settlements. Contractors who are committed to staying in business resolve these matters quickly because the CSLB record follows them. Contractors who have already abandoned the license (or who never had one) get the lawsuit and the bond claim.
You
Does the contract's arbitration clause matter?
S
Yes, but California contractor contracts have several specific arbitration limitations. CCP § 1281.97 requires the drafting party to pay arbitration fees on time or waive the right to arbitrate. CCP § 1284.3 voids certain pre-dispute arbitration clauses in consumer contracts where they are unconscionable. § 7159 itself has disclosure requirements that interact with arbitration. The demand letter addresses whichever clause is in your contract and lays out whether the consumer's path is court, AAA arbitration, or another forum.
You
What is the statute of limitations on contractor disputes?
S
Four years for written contracts (CCP § 337), three years for fraud-based claims with the discovery rule (CCP § 338), three years for statutory violations (CCP § 338(a)), and two years for negligence claims (CCP § 339). Construction defect claims have their own limitations regime under CCP § 337.15 (latent defects, 10-year statute of repose) and § 337.1 (patent defects, 4 years). For deposit disputes specifically, the four-year written-contract window usually applies and is rarely the binding constraint.
You
Can I recover attorney fees in a contractor dispute?
S
If the contract has an attorney-fee clause, yes under Civ. Code § 1717 (and the clause runs reciprocally regardless of which side it nominally favors). § 7159 itself does not contain a fee-shifting provision, but if you bring claims under Bus. & Prof. Code § 17200 (unfair competition based on § 7159 violations), the § 17200 framework allows fees under certain conditions. The demand letter quantifies the fee exposure to the extent the contract or the legal theory supports it.
You
Do you handle construction-defect cases?
S
Construction-defect litigation (latent defects discovered after project completion) is its own specialty with statutory pre-suit processes under Civ. Code § 895 et seq. (the right-to-repair act for residential construction). I handle the front end (intake, statutory notice, demand letter) and refer out the expert-driven defect litigation. Deposit disputes, abandonment cases, unlicensed-contractor disgorgement, and pre-litigation contractor disputes are squarely in my work.

Contractor took your deposit? Let me send the letter.

Email me a short paragraph about the contractor, the project, and the amount paid. I'll respond same day with a scoped flat-fee quote.

Email owner@terms.law