Debtor's burden is a term used to describe the financial obligations of an individual or entity that has taken out a loan. A LIEN is a legal claim against a property that is used as security for a debt, and it is the responsibility of the debtor to pay back the loan with interest. If the debtor fails to do so, the LIEN holder can take possession of the property in order to satisfy the debt. The debtor's burden is the responsibility of paying back the loan, plus any additional fees or penalties associated with the loan.