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If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.
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What happens now. Whether you listed it or not, if the lender has a security interest in your car, they can repo the car if you don't make the payments. Do they have a security interest. There's no way for me to know. Ask your own bankruptcy attorney about that. If the do repo the car, would you owe any outstanding balance on the loan.
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