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In Ontario, a construction lien (called a builders' lien or mechanics' lien in other provinces), is a claim for payment for goods or services that have been supplied to improve construction of a property.
A lien is a legal claim a creditor has against a property if a borrower doesn't pay what's agreed upon. If you have a mortgage, or are about to sign a mortgage, then you will have lien.
The Ontario Construction Lien Act gives builders, contractors, construction subcontractors, suppliers, labourers a method to collect money owed to them for labour and materials used to improve land in Ontario. Lien-Pro is a lien filing service that handles the filing under the Ontario Construction Lien Act.
In other words, if you owe money to someone and fail to repay it, they can file a lien against your home and other property you own. That means they have a right to keep possession of it until you pay your debt in full.
Generally, you cannot sell a financed vehicle without paying it off because you need to pay off any remaining balance on the car loan to secure the title and release the lender's lien.