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When you say "property owner," I assume you mean real property, and further assume this issue arises in the USA.

Because the state law implicated in your question is not identified and there are not enough facts laid out, let me ask you this:

1. was there a written loan agreement?
No
2. has a lien been obtained against you, or do you fear that one will be gotten against you if you make a loan and default?
No
3. what state is this in?

N.J.

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Q: Can a lien on a home for unpaid personal loan be filed without notice of property owner?
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