You may qualify for Chapter 7. In Chapter 7 you also get to keep cars and house. Most Bankruptcy attorneys will meet with you or talk to you over the phone without charge. The amount they get paid is usually very little as set by law. In Chapter 7 you do not make monthly payments. In Chapter 7 you also have car loans ONLY available during a chapter 7 in which you will only owe on the loan what the car is worth. It will be higher interest but less money overall as can knock off thousands. Call some attorneys. Bankruptcy is the best kept secret. It is a common myth that they take all your stuff.
Make an appointment with a BK attorney. They will be able to tell you what you qualify for 7 vs 13, as well as give you an estimate of your payments if you go the 13 route.
As a former Ch13, I can tell you the payments are affordable. The judge will not sign off if your income doesn’t cover the payments.
I can tell you’re stressed, try to make the appointment as soon as possible to find out your options. It’ll be a relief to get the weight off.
Good luck and keep us posted.