No, most people find that credit becomes available again much more quickly than they expect after they have been discharged.
If you have a loan against your car you will need to keep making payments otherwise you may claim it as an exempt asset up to a capped value.
Filing for bankruptcy does not mean that you will lose your house.
Only a Licensed Insolvency Trustee can file a proposal or bankruptcy for you, but you must owe at least $1,000.00
They are called “Bankruptcy” and “Proposal”