No.  Liens can be placed on a debtor’s property in many different ways.  Some are by agreements, like mortgages and auto liens.  Others are by operation of law, like property tax liens on a debtor’s home.  And some liens are to enforce judgments that have been entered against the debtor.  Certain liens can never be removed in a bankruptcy case except by paying the underlying indebtedness, and others can only be removed if special action is taken in the bankruptcy case.  So, if a debtor has any question about liens on his or her property, these matters should be discussed with an attorney.
For additional information on this or other issues related to your financial matters, please contact the Office of John Rogers, Attorney at Law at johnrogers@glasgow-ky.com  or toll free at 1-888-651-9353. 
John Rogers, Attorney at Law is Board Certified – Consumer Bankruptcy Law – American Board of Certification , www.abcworld.org , and is a member of the National Association of Consumer Bankruptcy Attorneys.  www.nacba.com