I have 2 loans with Wescom Credit Union. One is an auto loan and one is a personal loan. I am behind on my personal loan payments, but not on my auto loan. They are telling me that they can close ALL of my accounts, if ANY of them are charged-off, and repo my car, even if I am current on my auto payment and that they cross-collateralize all of their loans. Is this true? If I had the money to pay on the personal loan, I would, but I dont. I dont want to get my car repo'd and I am current on its payments.