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They could sue you within that three-month period, but (if you file a proper answer to the lawsuit) they wouldn't get a judgment against you and garnish your wages before that three months has gone by.
I recommend that you consult with a bankruptcy attorney in your area to see if filing bankruptcy would be a good option for you, and if so then move forward so you're ready to file your case just after that three-month period.
And no, don't tell them anything about bankruptcy. I'm a 73-year-old retired, disabled woman with three payday loans. I only have enough money from Social Security to pay my rent and utilities and feed my grandchildren, who live with me. I believe I should take Ch. Banks that loan personal loans so, will I have to pay a large amount for the bankruptcy services.
That said, when filing bankruptcy you swear under penalty of perjury that you've listed all of your assets and all of your debts. So you should have listed that auto loan, but you say you didn't list it. What happens now. Whether you listed it or not, if the lender has a security banks that loan personal loans 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.