I'm pretty sure collectors will lien my car because I have not been able to pay them. I have an auto loan through my credit union, whom I bank with as well, what will happen? I hear it is easier for them to lien your property when you have a credit union, is this true? I need answers I'm afraid I'll be left car-less and even more screwed than I already am.
Well first of all, the CU is the lien holder on the vehicle, they own it until you pay the loan off.

A collection agency can place a "lien" on the title which means that once you have paid off the credit union, you will not get the title free and clear until the lien has been paid.

The collection agency CAN NOT seize the vehicle as they are the 2nd lien holder and not the original creditor.

So as long as you continue to pay the CU every month, then you will not be without a car. Also it is NOT any different if one uses a credit union or a regular bank, collection agencies have rules they must follow regardless of where one does their banking.

Hope this answers your question.
They probably already have a mechanics lien against your car title if you got the loan from them. Check your car title or your state's DMV to be sure. The bigger risk is whether or not they will repossess it, which if you are more than 60 days late is a big risk.

If you can pay some of your loan, go see them and see if they will re-write the loan for lower payments. If you can't pay anything, then try to sell it. You will make far more selling it than you will get if they repo it.

Or, see if you can trade it in and get a clunker or use the bus.
If you pay someone else for your car (credit union, bank, financial institution) there is a lien put on your car. (your title should reflect that!) So you just don't own your car: you and the Bank/CU etc/ Will they come take your car if you owe them? Certainly. Will they take the money out of your account to make the payment? I don't think they can do that without your consent (not sure, CUs are different than banks). You should either make the payments or visit with your CU about options. If you don't do either of those, you will be car-less eventually. They will take the car. Good luck and don't be afraid to go talk to your officer at the CU.
Not always. What it means is that you can not sell it without the collector getting the profits until the debt is filled.

It also can mean they have legal possession of a car like a dealership or bank would that is financing it. If you default on payments to them then they can take the car.
The car is the collateral for the loan. They will repossess it.

The car will be sold at auction most likely for far less than you owe on it. You will be responsible for the difference plus all repossession fees.

Try to sell the car in a private sell before they take it. That way, you might be able sell it for enough money to pay off your loan.
A lien means who you owe the money to. They won't come get it, unless you're not making payments.