you don't owe any money on the car if the debt was discharged in BK. As such, they cannot put it on your credit history
as to the concern of the setoff. I cannot find anything specific to post BK proceedings for PA. I did run across something stating it is allowed in Indiana post BK. If that is true, that means the federal BK code allows it. Whether PA law allows it or not, I can't say. There is a really sharp gal that posts occasionally (despritfreya). I am certain she would know. There are a couple others that may know as well but not positive.

