Hi - my name is XXXXX XXXXX I'm a Bankruptcy litigation attorney here to assist you.
If the vehicle was not included in the bankruptcy, your filing should not really impact your loan.
However, if you do fall behind, the lender does have the right to refuse to accept late payments and repossess the vehicle. You can't stop the lender from repossessing the vehicle, but you can refuse to give it to them voluntarily, and force the lender to file a replevin action in court and get a court order to pick up the vehicle. If the vehicle is not worth recovering, the lender may abandon the attempts if it can't re-take the vehicle peacefully.
The only down side is that if you force the lender to sue for a replevin, the court can award attorneys fees and make you pay that as well. So, there is some risk in holding out.
That said, you can't stop the lender from refusing payments and retaking the vehicle, but you can buy some time in hopes to work something out.
The repo company will take direction from the lender who holds the vehicle's title; but it certainly can inform the lender that the vehicle is not worth recovering.
You can only get clear title if the lineholder signs the title to release the lien. Thus, you need to try and work something out so they will release the car. In order for them to be agreeable to do that, you're probably going to have to pay them something.
If they are still willing to possibly negotiate, I would recommend that you ask what you can do to keep the vehicle and receive a clear lien-free title.
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