These people get an automatic lien on the house if you don't pay. Another example are homeowners associations which have an automatic lien against the property if you do not pay your dues or special assessments. Federal, state and local government have the authority to impose liens on your property if you owe delinquent taxes. If you owe money to the IRS or other taxing authority, the debt is secured only if the taxing authority has recorded a lien against your property or has issued notice of tax lien. Lien Avoidance is about turning secured liens on property into unsecured liens.
Examples are home equity loans, and credit union loans on an automobile.
The key here is that the secured loan was not for the purchase of the property - it is nonpurchase money lone. The property must be part of your exempted estate. A lien cannot be removed from real etate or from a motor vehicle unless the vehicle is a tool of your trade. The lien must be an homestead exemption. If the debt is unsecured, the creditor is not entitled to repossess or seize any of your property if you don't pay.