Fictionalizing nonfiction

I am writing a nonfiction book (50 pages in), but have an ethical concern about using real names (including my own). For now, I am drafting it with real names.

There are crimes (of which I was the victim) and some unflattering elements to the story. One character is currently serving time for unrelated felonies.

My question is, say I'm done. Is this a decision the publisher would advise me on? A lawyer? Is it up to me? Would it even be wise to submit with real names, hoping for guidance on the issue, given the actual real names would be "out of the bag"?

Anyone have experience with such a situation?