You can keep a house and a car in both 7 and 13 (depends on the equity in both). You need to speak with a bk attorney in your area as laws still vary from state to state. Consults are usually free. You also have to meet the means test to file for 13. Your self employment does not preclude you from filing a 7, it depends on the assets, debts, etc. In some cases if a business has little or no assets, it's possible (like a maid or painter).

