I am curious about how a state judge can enforce a penalty to be done in a federal district?

Keep the car and maintain it. In the meantime you can save the money that you would have spent in new car payments in what would essentially be an escrow account for a new car or whatever. Also, in this calculation, don't forget the cost of insurance on a new car vs. what you are driving. That also saves you money.

My wife and I were in serious debt for years. We did no BK and paid everyone off and then we only charged what we could pay off every month. We still drive 2010 Hondas because they work and we don't need new cars in our driveway.

Remember the end goal is to pay yourself, not a bank.