First of all, let's set things straight about the meaning of a lien, that is in terms of law: a lien is a way of securing the payment of a debt or performance of some other obligation, by means of granting a security interest over an item of property. The two parts involved will be referred as lienor and lienee, that is the owner of the property, who grants the lien and respectively, the person who has the benefit of the lien.
U.S. law defines the term lien as non-possessory security interest and includes many types of mortgage and charge. Other countries? laws refer to liens as being a certain type of security interest. That is when the possession of the property is lost, the lien is released. This is because in these countries, the term lien defines a passive right to retain, but not sell property until the debt or other obligation is discharged. The pronunciation is also different in the U.S. than in the other common law countries. In the U.S. the word is usually pronounced "leen", while in other countries this term is more widely known as "lee-en".
Terminology and application of the term lien may be different in the U.S. and in the other countries, but there are some similarities that must not be overseen.
In the United States, mortgages, car loans, security interests, chattel mortgages and property improvements are considered to be consensual liens, that is they are set by a contract between the creditor and the debtor. The liens can also be non-consensual, meaning that the creditor has the right to impose a lien on an item of real property or a chattel just by the existence of the relationship of creditor and debtor. To name just a few of this sort of liens: tax liens, which are imposed to secure payment of a tax, attorney's liens, against funds and documents to secure payment of fees, judgment liens, imposed to secure payment of a judgment. Non-consensual liens also include "weed liens" and "demolition liens", set by the government to rectify a property from being a nuisance and public hazard, mechanic's liens, which secure payment for work done on property or land and maritime liens, which are being imposed on ships by admiralty law.
Another point of interest when considering the definition of the term lien is perfection, that is accomplished by taking steps required by law to give third party creditors notice of the lien. If a property is still the hands of the debtor, some further steps have to be taken, until that item of property gets in the hands of the creditor. That finally means that a lien has been perfected!
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The process of erosion is a very natural one, but it turned out that it was never a friend to people. The reason is that there are many times when soil is being washed off peoples? property or even accumulate against the side of their homes. The solution for this type of problems is using retaining walls. Their main task is to hold back earth. Of course, there are walls that are meant for purely aesthetic uses, allowing a hill to be made to enclose a garden, for example. Anyway, retaining walls are a terrific component to your home, at the same time creating more usable surface area in a landscape design. When speaking about the materials being used for making retaining walls, railroad ties and found stone are the most commonly used ones.
It's not too difficult to make a retaining wall and the method is the same as the one used many years ago. Start by digging back the land and then place the stones or wood as a wall. Fill the land back in and what you'll get is two flat surfaces where there once was a hill. Modern practices have kept the railroad ties and added treated landscape timber as the main thing to be used. Using wood is said to be very risky, as it may rot if it is improperly installed or treated. Stones make the walls look very classical, provided that they are installed by a stonemason. Brick or concrete blocks, but also masonry, poured concrete and steel are options people may choose from.
Having the definite purpose of keeping back or moving earth, retaining walls are still very much used nowadays. They may also provide more usable yard for the property. So, no matter if you choose to have a concrete flat wall that will look industrial or a quarried stone retaining wall that you can be proud of, it must above all match the design to your home's exterior design.
Should you want to enclose a garden, garden walls are the ones to use! This way, you can get a terraced garden that your neighbors will be envious of. It is an elegant addition to any home design, creating a wall of flowers and shrubbery. This can surely make a difference on a summer day spent in the garden with your friends! Take the chance and try! You will see that the outcome will be very nice!
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