Chiming in here - I'm so sorry you have found yourself in this position, but InsaneCdn is right. File if you need to. Talk to the attorney, but you may be able to re-affirm the debt on your car and keep it. Move to a cheaper housing if you can. Tell your daughter you're sorry about the car but these things happen and your kids will be fine. Maybe she or her fiancé can get a loan and buy the car? I assume there is a debt on it? Maybe she can take over payments.
At a minimum, get to a credit counseling agency that can negotiate with your creditors. Just make sure you find a reputable one.
Personally, I'd stop paying everything but my living expenses, my counselor/psychiatrist, and my bankruptcy lawyer. When the creditors call - and they will - tell them you are filing bankruptcy. Get yourself a clean slate.