If you are on the title as lien holder can go repo car?

Yes, a lienholder can repossess a car if they are listed on the title as the lienholder. Generally speaking, a lienholder has the right to repossess a car if the borrower defaults on the loan agreement, such as by failing to make payments or violating other terms of the loan. Here's how it usually works:

1. Default: The borrower fails to fulfill the terms of their loan agreement, such as missing monthly payments or violating any other contractual obligations, like not maintaining insurance.

2. Notice of Default: The lender or lienholder sends a default notice to the borrower, informing them of the breach of the loan agreement and setting a deadline for bringing the loan current (often called "curing the default").

3. Repossession: If the borrower fails to cure the default within the specified timeframe, the lender or lienholder can choose to repossess the car. They can do this either through self-help repossession, where they take the car without involving law enforcement, or by obtaining a court order for repossession.

It's important to note that the specific procedures and requirements for repossession can vary based on state laws, so it's crucial to refer to the relevant laws in your jurisdiction. Furthermore, some lenders may have their own policies and procedures regarding repossession that could impact how they handle the situation.

If you find yourself in danger of having your car repossessed, it's advisable to promptly contact your lender to discuss your options and see if there's a way to resolve the situation.