Generally assets are lost in Chapter 7 but not in Chapter 13. However, Chapter 13 is a 3-5 year slog and Chapter 7 is over quickly and you get on with your life. It may be worth it to lose the assets. In Chapter 7 bankruptcy liquidation, everything sells at some price or other--you may be asking too much.Ask a similar question
Generally speaking, if you file a Ch. 13, you would get to keep the property. If you are making payments on the ATVs and camper, you would need to be current with payments going through the bankruptcy (3-5 years) and you would be able to make up any arrears through the plan. This assumes you have the ability to make reasonable payments on a Ch. 13 plan over time.
However, if you do not intend to keep the ATVs or camper, you should speak to a bankruptcy attorney to determine if you would qualify for a Ch. 7. Under a Ch. 7, your property (assuming this is a primary residence) would be exempt and you would be able to keep it, but you would likely lose the ATVs and camper.
Bottom line, you should speak to a bankruptcy attorney about your options and whether filing for bankruptcy is the best option for you under the circumstances. Many bankruptcy attorneys will offer a free initial consultation.
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