All debts must be disclosed and included in the bankruptcy filing. Generally, you are able to retain your home and your vehicle after the bankruptcy. That is usually between you and the creditor. There are not many debts excluded from discharge in the bankruptcy but there are exceptions. Examples include child support and spousal maintenance obligation and (some) tax debt.
Proper legal analysis must be made by the debtor in determining when to file a Chapter 7 or Chapter 13 Bankruptcy. Choosing the proper filing date could mean the difference between owing money or having a clean slate for you and your family after the bankruptcy. The bankruptcy attorneys at Wagner Law Office will undertake all necessary steps to ensure that you make the right decisions in this regard.