A bank's claim, also known as a LIEN, is a legal right to take possession of a debtor's property if the debtor fails to pay a debt. A LIEN is typically granted to a creditor by a court order or by agreement of the parties involved. The LIEN gives the creditor the right to seize and sell the debtor's property in order to satisfy the debt. In some cases, the LIEN may be attached to specific assets such as real estate or vehicles.