The Mortgage broker suggested a contractor, her boyfriend, to replace roof and remove trees. His business is listed under her home address. I live in PA and there is no licensing. I have both of their numbers and can only contact the broker. The contractor will not pick up or return calls. I've even called her and she put him on the phone only to guarantee work completion that week... with no call, no show, again. The contractor has lied to her repeatedly about work completion, requiring permits (which I've looked into), etc. I have emails to and from her confirming this correspondence with apologies. There is only a verbal agreement with no written contract. I've paid 1/2 the loot up front. We're going on a year and winter's almost here... I would really appreciate any help!