Ok.......I know I'm not too familiar with BK laws but that does not sound right AT ALL. If you didn't include it in BK.......it shouldn't be notated on the acct.
I have NEVER heard of that. I think you should check this info with your BK atty.
ETA: I'm going to see if I can find out if this is correct - just want to make sure of one other thing.......you NEVER defaulted on the loan right? All you did was trade it in......so it should be a positive TL, correct?