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I find the natural disaster notation interesting. I'd assume they're not just going to write it off and it will need to be dealt with. If not they will send it to collections.
"charged off as bad credit" is an accounting term for 90+day past due accounts. The debt balance and interest are not gone and depending on if this lender keeps their bad loans in-house like AmEx does or they sell the debt, either way, someone is going to want to get paid. If the bike is still in your possession I'd sell it and pay off what you can of the loan - if it's still in your possession you can expect it to get repo'd. You may be able to work out a hardship payment plan especially because of the disaster notation, but even if that happens, you have to make the payments - they'll have you on a short string.