👉 A lien is a legal right of a lender to receive payment from a borrower for an outstanding loan, whether or not there is any evidence that the borrower has made payments. This can be in the form of a promissory note, which gives the lender the right to demand repayment of money if the borrower fails to make payments on time. A lien may be created by law or by contract between two parties, and it can be enforced through various legal means such as attachment, garnishment,拍卖
