Questions about bankruptcy and auto loan

Hello.

My apologies if I'm in the wrong sub-reddit. I'm also not asking for legal advice, just asking how bankruptcy works that involves an auto-loan.

I have an auto-loan with USAA that was co-signed with my father in law. I'm the primary loaner and I pay for it myself. The only reason he co-signed was for the free self-driving software from Tesla as he used to work there before he retired.

Recently, he filed for bankruptcy (not sure what chapter, I'm checking and will update) and he did inform me about that. As he proceeded with it, we came to find out later my auto loan was moved from regular auto loan to bankruptcy status. We weren't expecting the loan to be affected.

It was just inconvenient to make payments after that happened as I now have to call their bankruptcy department (which takes 30 minutes before someone picks it up), go through 5 verification and authentication, then listen to repeated disclosures every time which makes paying it 30 - 60 minutes long process. I can no longer auto-pay either.

Now I'm trying to refinance it so I can get it out of that status and USAA informed me I cannot do that. I'm stuck with this kind of payment process every month until it's paid off or I can sell the vehicle and pay off the remaining balance (I'm currently under on the loan, estimating -$40k? but I cannot, for the love god, get my balance as I have to request and call back within 72 hours to get it).

Is this normal for bankruptcy? Is there nothing else I can but be stuck in this process until it's paid off or sell it?

I'd rather keep it as I love the car and it's no issue for me except this forever long payment process. I really don't want to trade or sell as I'll be more in debt if I do that and get the same car.

Thanks for reading!