HOA/COA liens and mechanic’s liens are legal claims secured by real property, arising from unpaid association dues or from labor and materials used in property improvement, maintenance, or repair. These liens provide a security interest that can be enforced by the holder against the property if the debt remains unpaid. Once a lien is filed, it can complicate the property owner’s ability to sell or refinance the property. The existence of a lien may also impact the property owner’s relationship with their mortgage lender or landlord. For subcontractors in particular, a mechanic’s lien might lead to direct payment from the property owner, bypassing the general contractor. In Florida, both HOA/COA and mechanic’s liens are potent tools that help ensure payment for services rendered or dues owed in relation to property management and construction projects.