Do I have to list my car or second property even though I own it outright?

You must list everybody that you owe and everything that you own on a bankruptcy petition.  It doesn’t matter if the item is paid in full or if there’s money owed on it or if you have a partial interest, if you have any interest or owe any money or even if it’s paid, you must list all of your property.
There are a couple important schedules with regard to property.  The first important schedule is Schedule A which deals with real estate.  You must list all of the real estate that you own, either entirely or partially, owned outright or not, in your name anywhere in the world.  This means that if you have a house in one state and you have a vacation home somewhere else or even a timeshare that can be used anywhere in the world, you must list those items.
Secondly, Schedule B talks about all of your personal property.  You must list bank accounts, furniture, vehicles, retirement accounts, stocks, and bonds, anything else that produces income for you.  You must disclose whether or not you have a personal injury case pending, whether it be for Worker’s Comp or for straight injury.  You must list everything that you owe in your petition.  There’s even a catchall section called Other which lists all other personal property that wasn’t previously asked about.  So there is no way to avoid listing everybody that you owe money to on your petition.
Some people think because they have a paid off vehicle, they don’t need to listed.  This couldn’t be farther from the truth.  Some people think that because the property is being held by a family member, they don’t need to list it.  This also couldn’t be farther from the truth.  You must list every single piece of property that you own whether it be real estate or otherwise and you must disclose every interest in any property wherever held in the world.