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Viper Auto (VA) is a seller of exotic cars. VA sells Carl a $75,000 Dodge Viper on a retail installment security agreement in which he pays $15,000 down and agrees to pay the balance in equal installments. VA retains a security interest in the car, and perfects that interest by filing a financing statement centrally. Two months later, Carl is in default on the payments to VA and is involuntarily petitioned into bankruptcy by other creditors. Discuss VA's right to repossess the car. Explain your answer fully.