encumbrance

encumbrance (http://definr.com/encumbrance)

     n 1: an onerous or difficult concern; "the burden of
          responsibility"; "that's a load off my mind" [syn: burden,
           load, incumbrance, onus]
     2: a charge against property (as a lien or mortgage) [syn: incumbrance]
     3: any obstruction that impedes or is burdensome [syn: hindrance,
         hitch, preventive, preventative, incumbrance, interference]