Which lien is a specific lien?

Which lien is a specific lien?

• A. Tax lien
• B. Judgment lien
• C. Construction and mortgage
• D. General lien

Answer: (C)

A specific lien attaches to a particular property, not to all of the debtor’s assets. A mortgage lien and a construction (mechanic’s) lien both directly encumber the real estate that was financed or improved. The loan used to purchase or refinance the property creates a lien that is tied to that parcel, and the construction work or materials furnished are charged against that same parcel. Because these liens are linked to one identified property and transfer with that property regardless of who owns it, they are the clear examples of specific liens. In contrast, a judgment lien stems from a court judgment and can affect multiple assets, making it broader in scope, while a general lien refers to a claim that covers all property of the debtor.

A specific lien attaches to a particular property, not to all of the debtor’s assets. A mortgage lien and a construction (mechanic’s) lien both directly encumber the real estate that was financed or improved. The loan used to purchase or refinance the property creates a lien that is tied to that parcel, and the construction work or materials furnished are charged against that same parcel. Because these liens are linked to one identified property and transfer with that property regardless of who owns it, they are the clear examples of specific liens.

In contrast, a judgment lien stems from a court judgment and can affect multiple assets, making it broader in scope, while a general lien refers to a claim that covers all property of the debtor.