can kay jewelers put a lien on my home because i cant pay bill

Yes.  But first they must sue you, succeed in obtaining judgment, and docket the judgment as a lien with the county clerk where your home is located.  If any of these steps were missing, you should contact a lawyer and obtain an Order Show Cause to vacate the lien, while it is determined what went wrong. You can visit my website for more information. www.nathansonlaw.com .