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If you’ve had trouble getting payment from a debtor, even after retaining the services of a debt collection agency or debt collection attorney, you may be able to place a lien on your debtor’s real property. Of course, getting a lien can be time consuming and different states have different laws regarding the placement of liens. But a lien does provide real collateral and real motivation for your debtor to pay his or her debts, as a lienee (the one who filed the lien) may have the right to take possession of the property the lien was placed on if the debt is not paid.
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For the purposes of most debt collection scenarios, the appropriate lien would be a Mechanic’s Lien or a Judgement Lien.
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