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It takes anywhere from three to seven years for a stump to decompose on its own. This timeframe can depend on the kind of tree and your climate. The lower to the ground the stump is, the faster it rots. If you kill a tree stump with salt, boiling water, herbicide, light deprivation, or burning, the tree stump decomposes faster. 

You can hire a professional arborist or tree removal service to cut down a tree to ensure safety, prevent property damage, and comply with all the local regulations. It’s highly advisable to always hire a professional, as tree removal can be extremely dangerous, especially for large or damaged trees. Certified arborists or tree removal experts have the proper equipment, training, and insurance to do the job safely and efficiently. They can also handle cleanup, stump removal, and obtaining the necessary permits.

In the case that a tree is growing directly on your property line, the cost of maintaining the tree is shared and is the property of both owners in common. In this case, all decisions regarding the maintenance of the tree must be made jointly, and both parties must agree on a course of action. You will need to agree with your neighbor about the cutting of any roots before you carry it out, and your neighbor must also consult with you before doing any trimming. Coming to an agreement with your neighbor about any shared trees ahead of necessary trimming and maintenance will make this process much simpler.

Yes, cutting a tree's roots can cause it to fall, particularly if major support roots are severed. In extreme cases, trimming roots can affect the tree's structure and stability. Many crucial roots are located just below the soil's surface. If you make severe cuts to roots more than 2 inches in diameter, you risk impacting the tree's water flow and its ability to withstand severe winds or storms. Even cutting roots less than half an inch in diameter under or outside the tree's canopy can cut off its water supply, causing it to decline, die, and eventually topple.