Which of the following is NOT included in voluntary liens?

Voluntary liens are created intentionally by the property owner and typically involve agreements for loans or credit. Mortgages and equity loans are prime examples of voluntary liens, as they involve the property owner willingly entering into a contract with a lender to secure financing. UCC financing statements also fall under this category when they pertain to secured interests in personal property that the owner has agreed to secure with collateral.

Judgment liens, on the other hand, are not voluntary. They arise from a court ruling typically when someone wins a lawsuit against the property owner, leading to a lien being placed on the owner's property to satisfy a debt. Since judgment liens are imposed without the consent of the property owner, they do not qualify as voluntary liens. This distinction clarifies why the judgment lien does not belong to the category of voluntary liens.