Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Since the car loan was not re-affirmed in the Bankruptcy, your liability for paying the loan was discharged. In other words, if you stop paying the loan, you will not be responsible for the balance of the car loan - whether or not the lender re-possesses the car.
The effect of not re-affirming is not affected by the reason the judge would not approve a re-affirmation. In other words, it is still the case that you could not be held liable for the balance of the car loan if you stop paying.