Which of the following are examples of involuntary liens?

Prepare for your California MLO License Test. Engage with flashcards and multiple-choice questions, each with hints and explanations. Ace your exam!

Involuntary liens are legal claims against a property that arise without the owner's consent, typically as a result of legal action or unpaid debts. The correct choice, which includes tax liens, mechanics liens, judgments, and attachments, encompasses various types of involuntary liens that can be placed on a property.

Tax liens occur when property taxes remain unpaid, and the government places a claim on the property to ensure payment. Mechanics liens are filed by contractors or suppliers who have not received payment for work performed or materials supplied in relation to real property. Judgments arise when a court issues a decision against a debtor, allowing the creditor to place a lien on the debtor's property to satisfy the debt. Attachments refer to a legal process where a court orders the seizure of property to compel a debtor to pay a creditor.

The other choices contain examples of either voluntary liens (like mortgages or personal loans, which are entered into willingly by the borrower) or inaccurate combinations. For instance, personal loans and credit cards are forms of unsecured debt and do not lead to a lien on property unless a judgment lien is created through court proceedings. Similarly, leases and charity donations do not create involuntary liens against property. Therefore, the selected answer accurately represents the nature of involuntary

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