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I am glad to hear you have found our site helpful.
In terms of your questions. You are correct the car should be returned prior to filing the proposal or debt management program.
As for a credit card, in a proposal you are not able to keep a credit card. Now you may be able to arrange to retain one in debt management program, but you would have to confirm that with the credit counselling organization you would be dealing with.
In terms of reasons for the debt managementvs. the consumer proposal. You are correct, ultimately both have the same impact on your credit, but often in a proposal you can negotiate a reduction of what has to be paid so it is less expensive than the debt management program. The only time the debt management program is preferable is if you in a proposal you would have to pay your debts in full, then due to the way administration costs are charged the debt management program would likely be less expensive.