Types of Voluntary & Involuntary Liens:

A LIEN IS a doc­u­ment that uses prop­erty to secure a debt. It is usu­ally recorded at the local House of Records or Recorder’s Office.

Liens include, but not lim­ited to:

1. Loans (trust deeds and mort­gages),
2. unpaid Taxes,
3. Spe­cial Assess­ments,
4. Mechanic’s liens,
5. Judg­ments,
6. Attach­ments by the court.

Look­ing at this list it is easy to decide if a lien is VOLUNTARY or INVOLUNTARY.

Vol­un­tary liens are debts that an owner acquired vol­un­tar­ily with the own­ers con­sent. Lenders file a lien against a prop­erty when a prop­erty owner obtains a loan and uses the prop­erty for security.

Invol­un­tary liens are debts that are placed on a prop­erty with­out the own­ers con­sent. These usu­ally are put (recorded) against a prop­erty by a gov­ern­men­tal agency.

Liens are also Spe­cific or General.

A. Spe­cific liens affect only one (1) prop­erty. It is specif­i­cally placed on one property.

B. Gen­eral liens are liens that affect all prop­er­ties of the owner, not just one. Yes, ALL PROPERTY!