it was considered a debt, or more accurately, a liability due to her inclusion on the note. As such, she had every right to include it in her bankruptcy. All it should have done is removed her from the note and you should be the only entity left with any liability for the note.
The party that did something wrong were the folks holding the note. Speak with them and tell them you did not file BK and you are still indebted for the loan and want to pay them. Just be sure they will release their lien on the car once you have paid the loan off.
So yes, she could include such a liability in her bankruptcy.
what is showing up on your credit report? If it is an inaccurate report, dispute it with the credit reporting agency.
girlfriend did nothing wrong and is not responsible for how things are now.

