Collateral with bank/sba

[nerves]

We are about ready to file. We have a secured loan with has two trucks, our business equipment and a life insurance policy as collateral. The outstanding balance is approx $100,000 on the note. Has anyone ever tried to settle for less than what is owed and have the collateral removed? We may have a buyer for the equipment but we would like to keep the vehicles. The offer may be around $90,000. The other issue is one of the trucks is worth about $15-$16,000. Our state exemption is $7000. I am assuming the trustee will want the difference. How do finance that? I doubt if we could get a loan. Will the trustee take payments? I think I read on another post there are companies with extremely high interest that will finance but I don't know much about the process. Any help/thoughts would be greatly appreciated. Thanks