It is a common misconception that children can decide where they will live after reaching a certain age. It is not true. Parents are expected to make important decisions such as this. The Court will consider the wishes of a child, however, and greater weight is given to the wishes of a child age 14 or over. A bankruptcy filing is not an action against your creditors.
Bankruptcy is a method of seeking relief from certain debts.
A secured debt, like a car loan or home mortgage does not preclude you from filing. You will list all of your debts in the Petition. Filing a Petition for relief does not prevent you from continuing to make payments on secured debts. In most cases you must pay the secured debts, or return the collateral.