Which of the following best defines a "lienor"?

A "lienor" refers specifically to a party that has the right to place a lien on a property, typically as a result of providing goods or services for which they have not been paid. In this context, a laborer or subcontractor fits this definition well, as they may perform work on a property and, if compensation is not made, can file a lien against the property for payment owed. This establishes their legal right to claim a portion of the property’s value to satisfy their debt.

While the other options mention individuals and entities that may interact with property or finances, they do not specifically capture the role defined by the term "lienor." The option regarding a company providing loans relates more closely to lenders than to lienors, whereas the individual in bankruptcy does not have a direct association with liens unless discussing creditor rights in bankruptcy proceedings. A property owner is simply someone who possesses property but does not inherently have the rights implied by the lienor role without the context of owed services or debts.