You need to talk to your Bankruptcy attorney. If you want to keep your cars, you have to pay the value of them. You can usually discharge any amount owed that is greater than the value of the car. You can also reaffirm your debt with the lenders, but the credit union may not work with you on that since you're causing them a loss on the credit card. Either way...talk to your Bankruptcy attorney. Almost anything you do will have to go through the bankruptcy court.Ask a similar question
Your credit union is using a cross collateralization theory. If you want to keep the car then you should sign a reaffirmation agreement with the credit union ONLY for the amount owed on the car and not the unsecured debt. In CA, the credit unions huff and puff that they are going to repossess but never do.
Mr. Larkin is licensed to practice law in CA and is located in San Diego. His response here does not constitute legal advice and does not create an attorney/ client relationship. The response is in the form of legal education and is intended to provide general information about the matter in question. Many times the questioner may leave out details which would make the reply unsuitable. Mr. Larkin strongly advises the questioner to confer with an attorney in their own state to acquire more information about the specifics of their case.