Plainly
look up a word, understand it — no rabbit hole
lien
nounLEE-uhn
meaning in plain English
A claim on someone else's property that lets you take it if they don't pay back what they owe.
for example
The bank kept a lien on the car until the owner paid off the loan.
Imagine you lend your friend your bike and they promise to return it when they can. If they don’t pay you back the money you lent them, you might keep the bike— that’s a lien. It’s like a safety net for the person who is owed money.