Each of your accounts represents its own, separate contracted debt.
Thje vehicle is only subject to repossession based on your contract as securement of your auto loan.
They cannot simply attach assets that are securing another debt with them without first obtaining an order by a court that permits them to attach assets or garnish pay. That would require that they first obtain a judgment on either the personal loan or the credit card debt, and then additionally motion the court for attachment of assets or garnishment of pay as a specific, court ordered payment towards the judgent debt.
Since they do not yet have a judgment on either the personal loan or the credit card debt, then any attachment of assets or garnishment of pay to force payment of those debts would be far down the winding road.
They actually can and do cross-collateralize, you agree to it in the documents.
The way I understand it is that once you pay off the car, they will slap on the rest of the outstanding debts and you will be required to pay that in order to get the title and in my limited research it does look like they have been known to repossess vehicles at times.
I have a friend that defaulted on a $15k credit card with NFCU, but paid off her NFCU car loan during the same time. She filed bankruptcy that included the credit card debt, kept her car, but is unable to get the title, which NFCU has. It has been over 4 years now and they still refuse to release the title. Luckily, the car is not worth aynthing. Anyway...I'm just sharing my friend's experience.
Well this is actionable as a BK was filed but since its not worth much when it dies your friend should call and demand that they remove their property from theirs before they file suit. I bet the title comes quickly.
Yes they definitely repo cars if you stop paying at anytime they will take it without you knowing. They repoed my car 2 days after my birthday and after i made a payment since i was 60 days behind.