If one car is behind and the other current can both cars be repossed?

It is possible for both cars to be repossessed if one car is behind on payments and the other is current. This can happen if the cars are financed through the same lender and the lender has a "cross-collateralization" clause in the loan agreement. This clause allows the lender to repossess all of the cars financed through them if one of the loans goes into default.

Additionally, even if the cars are financed through different lenders, one lender may be able to repossess both cars if the borrower falls behind on payments on both loans. This is because lenders typically have a security interest in the cars that they finance, and this security interest can give them the right to repossess the cars if the borrower defaults on the loan.

If you are at risk of losing your cars to repossession, it is important to speak to your lender or a bankruptcy attorney as soon as possible. They can help you understand your rights and options and may be able to work out a payment plan that will allow you to keep your cars.