Which lien type encompasses all real and personal property owned by a debtor?

A general lien is a type of lien that offers a creditor a claim against all of a debtor's property, both real and personal, rather than just a specific piece of property. This means that if a debtor has multiple assets or properties, a general lien can attach to all of them, allowing the creditor to pursue any of those assets to satisfy the debt.

In contrast, a specific lien is limited to a particular property—such as a mortgage, which attaches only to the real estate financed by the loan. An Ad Valorem tax lien is typically based on the assessed value of property, primarily for property taxes, and is therefore also specific to the real estate. A statutory lien arises automatically through operation of law, usually related to taxes or regulatory fees, but again, often relates to specific properties rather than encompassing all properties owned by a debtor.

Thus, the defining characteristic of a general lien is its broad applicability, making it the correct answer for this question.