Liens can be placed on a debtor’s home in many different ways. Some are by agreements, like mortgages. Others are by operation of the 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 their home, these matters should be discussed with an attorney.