If the loan has been charged off, it may now be in the hands of a collection agency.
One option is to call the collection agency and arrange a payment plan if possible. Or, if you have lots of cash you can offer a lump sum discounted settlement. Just understand that a creditor isn't likely to discount the debt for payment, it'll be just for cash if it's done at all. And you need to get the settlement agreement in writing.
However, if the car is not drivable because it's in disrepair and you don't want to spend the money on fixing it, making payments on it is throwing good money after bad.
Another option is to just let them pick up the car (voluntary repo) but I suspect that the auction sale price won't cover the balance so you'll be hit with the deficiency.
Yet another option is to find a buyer (with either fixing it or not fixing it) and put up your own cash to make up the difference in the loan balance.
And one more option is bankruptcy as a last resort.
Unfortunately, the financial damage is already done so you'll have to determine the quickest and least costly solution.
Obviously, you can ignore the situation and hope you never get sued. But CT has a 6 year statute of limitations. Creditors tend to ride that out and sue at the last minute after adding interest and attorney fees that make the debt skyrocket by then.

