Which of the following is an example of a specific voluntary lien?

• A. Mortgage
• B. Involuntary Lien
• C. Tax Lien
• D. Lis Pendens

Answer: (A)

A mortgage is a specific voluntary lien because the owner chooses to encumber a particular property to secure a loan. The lender’s claim attaches to that specific property described in the mortgage, and it remains with the property until the debt is paid or foreclosure occurs. It’s voluntary since the owner initiates the encumbrance to obtain financing, and it’s specific because it targets one specific parcel.

Involuntary liens come from creditor action or statutes, not from the owner’s consent, such as a tax lien or a judgment lien. A tax lien is imposed by the government for unpaid taxes, not by the property owner’s choice. Lis pendens is a notice indicating a pending lawsuit affecting title, not a lien on the property.