can you put a mechanics lien on a house for a personal loan, not just construction?
Answers:
Consider taking them to small claims court. (I live in Georgia where it is called magistrate court.) Once you have a judgement--make sure you sue both of them. You can put liens on their cars, houses, personal property etc... I did this once and I had an open-shut case. It wasn't that bad. I put liens on their cars. You can't do much with your car if when there is a second lien on it. It took several years, but eventually I got all the money--plus more. The court charges a very high interest rate. In many ways, aggravation put aside, it ended up actually being a good investment.
I guess that is sort of sad. Obviously, there is no longer any relationship between the parties whatsoever.
PS For magistrate/small claims court, you don't need a lawyer. If you can speak clearly and provide the evidence needed, it might work--and be much cheaper than a lawyer. Of course, if you are unsure, you should see a lawyer.
Other answers:
yes see a lawyer
yes see a lawyer
No. If you wanted the loan to be secured by the house, you should have got a mortgage. You stand in no better position than any other unsecured creditor. It may be possible to establish a lis pendens on the house, but I doubt it. As a general creditor you have no interest in the house. If you want to improve your standing as a creditor, then sue for the money and get a judgment. Of course, that assumes that the debtor is in breach. You didn't mention the terms of the agreement. If the agreement is simply that they will pay you back sometime, then you are pretty much hosed.
Take them to small claims court.