There is no running away from loans and CC debts. You have to declare them. How do you cover your POF requirements considering you have loan and/or CC debts is upto you.The accounts you have are from the same bank? My only worry is with the car loan and whether or not that needs to be disclosed. According to their website, it mentions that we need to show all accounts in the bank that we have plus any loans or credit card debts.
https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/documents/proof-funds.html