will i lose my personal assets if i file chapter 13

You do not "lose" assets in a Chapter 13 case; you retain ownership and control of your assets.  However, in order to confirm your Plan, you must pay out to your creditors at least as much as they would get in a Chapter 7 liquidation, so the value/equity in your assets and the amount of exemptions available under applicable law to protected those assets, are critical factors to examine. You need to consult with an experienced bankruptcy attorney in your area for more details. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.