What type of liens are created with the consent of the debtor?

Voluntary liens are created when the debtor agrees to the lien, typically as part of a loan or financing arrangement. This consent is crucial because it indicates that the debtor recognizes and accepts the lender's right to place a claim on their property as security for a debt. Common examples include mortgages, where a homeowner voluntarily allows the lender to place a lien on their property in exchange for a loan to purchase the home.

In contrast, other types of liens, such as involuntary liens, are imposed without the debtor's consent, often resulting from legal judgments or tax obligations. Statutory liens arise from specific statutes and do not require direct consent from the debtor, while judicial liens result from court actions and involve a legal process where the debtor may or may not have had a say. Therefore, the defining characteristic of voluntary liens is the explicit permission given by the debtor, making this choice the correct one in the context of the question.