You hired a contractor to redo the kitchen and two bathrooms in your Astoria two-family. The price was 30% below the other bids; the guy seemed professional, and you wired a $45,000 deposit the day you signed. Three months in, the work is half-finished, the cabinets you paid for never arrived, and you've just discovered the contractor has no New York City home improvement license. Now he's threatening to sue you for the balance. If you've hired an unlicensed home improvement