A lien like you describe does not allow the creditor to force the sale of, or repossess, the motorcycle. Rather, it encumbers the title, which means you can't sell the motorcycle without paying the lien--even if or after you have paid off the loan on the motorcycle itself. The only way they could take and sell the motorcycle for your car loan default would be if you had used the motorcycle as additional collateral to secure the car loan. That is not at all normally the case, and must be something which you had agreed to do--the bank cannnot unilaterally make property A collateral for loan B, even if they hold the loans on both A and B. If you're worried about this, check the loan agreements, to see if they do cross-collateralize at all.