^ The voice of sanity.
It may be unlikely that anyone would notice that the OP is in breach of contract if he keeps making the monthly payments from the same bank account and also makes the balloon payment at the end of the term (BTW, he will need to receive, complete and return documents to the finance company to do that which could be difficult unless he has reliable mail forwarding set up), I can imagine a number of scenarios which could cause it to come to light and then it becomes more difficult to resolve.
Altogether easier if he contacts the finance company early in the 30 day period and they may even provide the written consent. If not, pay up the outstanding sum on the contract and everything is clean.