In all honesty, what's more important - keeping your home or keeping your collection of antique cars? Please be realistic! A fresh start is going to require you and your husband to make some significant concessions here!
Either way, chances are you will lose the "collectors" cars. Bankruptcy court will most likely have you sell them off (as they are not exempt property) to pay the creditors. If you don't sell them and don't file for bankruptcy, the bank will foreclose, sell the home at auction, then sue you and obtain a deficiency judgement for any remaining balance of your mortgage. They can, and will, then confiscate property (the cars first then the antiques; anything of value that can be secured immediately and sold quickly). Then comes the leins on bank accounts, taking of any tax refunds, garnishing wages, etc.; all until what you owe is paid. THEY WANT THEIR MONEY (and will take any and all steps to get it)
Let's not mention the extreme hit you'll take on your credit scores. Talk to a bankruptcy attorney!

