Help me chose the correct option before making another mistake. (Debt, negative equity, bankruptcy)

I have a 22’ Honda civic SI bought May of 22’ for 33k. 17.7% interest rate and $760 monthly payment. I still owe $24k and the car is worth 16k. It has 102k miles, motor has been replaced (out of warranty, 8k), wrecked with 13k in damages, and now it needs suspension work. This car has been cursed since it drove off the lot. It was a mistake from the jump but I was young and dumb and thought I needed the upgrade from my 13’ SI.

I have about 7k in debt between closed/delinquent accounts, student loans, and active credit cards. I currently bring in 4500 monthly.

I have no problem admitting I have been awful with money. I lived differently as a child/teen than I have as an adult and have tried to keep that lifestyle but unfortunately I am drowning. Money management is a no-go for me. My monthly bills obviously vary but around $2500 a month. The rest goes to eating out, random shopping, etc but I know I spend every dollar. I’m actively working on a budget plan and doing better about not just swiping my card to swipe it.

I do not have gap insurance for my civic, I don’t even know how I managed that but somehow did. I make the minimum payments in my debt so honestly the balances just keep rising due to interest.

Heres where I need the true advice. I’m looking at getting a new car. My credit is awful, 610 with tons of late payments due to times on unemployment. I was approved for a 37k auto loan. I have found a 2025 jeep grand Cherokee for 35k. I don’t have all the exact numbers because of course they kept me there till close and then couldn’t send me all the numbers because the manager had left but I was told my payment would be $1100/ a month so I know it’s a maxed out interest rate.

I’m thinking of getting the Jeep and then filing chapter 7 and letting them take the Civic along with the rest so it would be about 30k of debt. I know life happens and you can’t always plan accordingly but once that process is over I’d like to get a secured credit card and rebuild accordingly and correctly and then refinance the Jeep in 1-2yrs to hopefully get the rate down. I’d already be used to paying the $1100/ a month so I’d keep doing that and hopefully not be upside down and maybe even trade it in that way I’d have a better payment and rate all around.

What advice do you have?