What distinguishes a general lien from a specific lien?

The distinction between a general lien and a specific lien fundamentally revolves around the scope of the lien's application. A general lien is one that can affect all of a debtor's assets and property, not limited to a particular item or location; it extends to multiple properties and even to personal property. This means it allows a creditor to claim rights to any and all of a debtor's properties if debts are unpaid.

Conversely, a specific lien is more limited in its application. It is tied to a specific item of property, such as a mortgage or a mechanic's lien, and does not extend beyond that individual property or item. If a debt secured by a specific lien is not paid, the creditor can only pursue that specific property to satisfy the obligation.

This understanding is essential for recognizing how various liens operate within real estate and asset management. The ability of a general lien to encompass all assets contrasts with the targeted nature of a specific lien, highlighting why the correct answer identifies the breadth of impact associated with each type of lien.