A "lien" means that someone other than the owner has a security interest in your motor vehicle, motorboat, or manufactured home. A mechanics lien is a legal tool that provides the unpaid party with a security interest in the property.Read this stepbystep guide to file a mechanics lien on a construction project in the state of New York, including a free lien form. A lien may be described as a right to claim against specific property or funds as security for a debt. A lien is a claim on property to ensure payment of a debt. A judgment lien arises when a court rules you owe a debt, allowing the creditor to claim your nonexempt property until the debt is paid. Chief among these Lien Law requirements is that funds under the BLA are used only to pay "cost of improvement. A lien is a legal claim against the property of a debtor in case they fail to fulfill the terms of a contract or some other financial obligation. Real property is real estate, such as your house, condo, or other land. Form must be filled out and notarized at the time of filing.