Just because you own something that isn’t exempt does not necessarily mean that your Chapter 7 trustee will liquidate it. Maybe not.
Your trustee might be able to require a creditor to pay the trustee money you’d paid the creditor. Sometimes that’s good; sometimes not.
Bankruptcy is a lot easier to understand and much more comfortable to go through when you know who’s who.
Bankruptcy can bring you financial peace. And in that process you will likely be treated with respect and good will.