Unless the PCP was taken out as a joint agreement or with a guarantor, the finance becomes a debt of the estate and would need to be settled. Unless there are funds to settle the agreement outright, one option would be to continue to pay the monthly amount until more than 50% of the total sum payable has been completed, at which point you could apply for a voluntary termination, or pay the amount required to reach 50% in one go in order to make this possible. If this is not a suitable option it may be possible to return the vehicle so that it can be sold by the finance company and any funds recouped would be taken from the amount outstanding, but any monies still owed would need to be paid.