Legal Question in Banking Law in California

There are three types of liens: consensual (meaning they are created by contract, or contract under a specific statute); statutory (like tax liens); and judgment. If you have a breach of contract, you would have to file a lawsuit, obtain a lawful judgment, and then record an abstract of judgment, which creates a lien on real property. If you have any questions, speak to an attorney, and not your friend down the street.