Wouldn't it save you a lot of grief if you checked with the bank to see if they will permit you to take possession of the car after catching up on back payments, with a commitment to make future payments? Even if you sell the car yourself, you will almost certainly be able to sell it for several thousand dollars more than the bank will obtain at auction.

Realistically, you need to sit down with a bankruptcy attorney and go over these issues in detail in relation to your situation.

With regard to the mortgage, it may be possible for you to be discharged from the mortgage, but your wife would ordinarily remain liabile for the whole of the mortgage debt. (You should review your mortgage documentation for any reference to the mortgage company's rights in the event of the bankruptcy of one party to the loan.) Similarly for your joinly held cars - you can stay on the title by ratifying the debt, or you can seek a discharge which would ordinarily make your non-bankrupt wife responsible for the whole of the debt.

You don't really need to worry about credit cards. As you won't be able to declare bankruptcy again for many years following discharge, you can expect to be showered with applications for credit cards after your discharge. (That is a common experience of debtors.) Sure, the interest rates are high, but any credit card you keep will impose similar terms post-bankruptcy. And in a worst-case scenario, you can opt for a secured credit card or have your wife co-sign.

Any attempt to transfer assets at this point is likely to be challenged as a fraudulent transfer - you should only make transfers after consultation with a lawyer.