🔒 How do liens happen?
Sometimes, you may agree to a lien when you borrow money (like a mortgage). But often, problems arise when creditors place liens on property without the owner’s consent—this can feel stressful and unfair. Secret or hidden liens sometimes occur due to state laws or statutes that provide some creditors the right to impose liens as a form of security. For example, a Homeowners Association, a contractor, a mechanic, the tax authorities, and even a hospital can place liens on your property without warning because state laws grant them this privilege.