I will be happy to assist you. First of all, if the car lien holders signed a reaffirmation agreement they could only repossess your car should you THEN go into default after the agreement. If you were in a Chapter 13 bankruptcy they would not repossess your home or car, that is the point of a Chapter 13, to give you the opportunity to get caught up and repay creditors pennies on the dollar. If you are current on home and car payments almost all lenders will reaffirm the debt and you keep them.
You must be able to have a steady income to qualify for Chapter 13. You can keep (reaffirm) your home and cars in a Chapter 7 as well, but must meet the means test for your area. If you are current on your house and car payments and meet the means test, you can discharge most debt. Student loans, child support payments, and tax liens are usually not dischargable. This may the route you want to go if you can meet the means test, you would be discharged in 4-6 months, and the credit card payments and line of credit go away altogether, and you would reaffirm your home and cars. We have been even negotiating the rates on the current loans down in a reaffirmation.
You should discuss your situation with a bankruptcy attorney in your area, there will be many that give consultations for free, and then you will have all your options.
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