Chad Johnson -- 130,000 Problems ... On Top of the Other Problems

Chad Johnson's domestic problems extend beyond his recent arrest ... because a guy who worked on CJ's Florida home claims Chad owes him $130,000 and has filed a lien against Ocho to get his money.

According to docs filed in Broward County, FL on August 7, Jacinth Preston claims Chad owes him the chunk of change for work done on Johnson's home ... the same home where the alleged domestic violence incident with Evelyn Lozada occurred.

Preston claims the money stems from providing "salary, car insurance, cleaners, landscaping, decorating."

According to the lien, if Johnson doesn't pay off the debt soon, his house could be foreclosed on.

Of course, Chad is in danger of moving into a much bigger house soon if things don't go his way with the Lozada domestic violence case.