I already talked to them and here are the options they presented:

a. Let the bank repo the car and sign the form saying that I am already cleared with the debt (Is there really such a thing?)
b. Write a letter of request asking for reinstatement/consideration but I have to pay daw worth 180k lawyer fees

I read that if the bank repo'd the car, it will reflect to your bank credibility for at least 10 years...