Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Given the information you provided, you can file a Chapter 7 instead of a Chapter 13. A Chapter 7 will be less costly than a Chapter 13.
All of the possessions you mentioned are "exempt" (protected) from the Bankruptcy court, except for the property, for which you can apply a $4,000 exemption. This means the Bankruptcy trustee would be able to sell your property, give you $4,000, and pay the rest to your creditors.
Or you can file a Chapter 13, which will involve paying all your disposable income (gross income minus allowable expenses) to the Bankruptcy court for up to 5 years. If you have $100 left over every month, that would be the amount you would have to pay - in addition to approximately $3,000 to a Bankruptcy attorney.
If you want to keep your property, you would have to file a Chapter 13. Whether you file a Chapter 7 or a Chapter 13, all credit card debt gets discharged at the end.