What happens to the furniture, computer and such that you owe money on? Can they be protected under both Chapters?

See these bullet points on dealing with your home lender under Chapter 7 and under Chapter 13.

File under Chapter 7 if you don’t need lots of help keeping your vehicle. File under Chapter 13 if you do.

Put aside all the detailed advantages and disadvantages of these 2 options. The core difference is how each uses time in your favor.