if i declare bankruptcy, what assets can my creditors come after?

You should consult with a professional.  A competent bankruptcy attorney will ensure that you NEVER have to surrender assets unless you wish to.  There are rules.  Bankruptcy is actually an acceleation of creditor rights, we are identifying "non-exempt" property that might be available to creditors and protecting it either by the choice of chapter, or potentially redemption.  You have the right to manage your exemptions in a way that supports the goal of minimizing the availability of money to creditors. At first blush, the house is fine, the 2nd may not be.     Depending upon the equity available, you may wish to choose a Chapter 13 filing which will ensure nothing gets taken.  REmember if you submit to a Chapter 7, you are stuck with the result, a chapter 13 gives you flexiblity and power and leaves you in control