Many credit card agreements for stores like Sears or Best Buy include a provision where you grant the bank a lien on anything you purchase with the card.  This can also include in-store financing with places like Raymour & Flanagan.  If you are dividing up marital property in a divorce, and that property was purchased under one of these agreements, it can make equitable distribution more involved.  These liens often come to light once a bankruptcy is filed, so careful, advanced planning is a must!  Meryl and Steve discuss what steps you have to take in your divorce and your bankruptcy to address this problem.