What is Secured Debt?
Secured Debt meaning Debt for which property was pledged as security for the satisfaction of the debt. Note: Debt that is secured has a higher priority in bankruptcy. These types of debts include mortgages, liens on property (such as lien holders for vehicles or judgment lien creditors with recorded abstracts of support judgments). To be effective, the lien must be recorded with the appropriate agency (county recorder, DMV, secretary of state, or other agency) prior to the filing of the bankruptcy.
reference: California Department of Child Services