suggestions please!!

Sorry to hear your plight whiskeytango.
I too took a 22% paycut. After looking at debt management solutions and debt elimination companies (too many to count), it was recommended to me that I only have one option - bankruptcy. This, from a debt managment company, where 1 out of every 3 assessments are being recommended to do the same. I'm simply under too much water. We are not alone in our plight. Wish i had better advice.

so many people said the bankrupty is the easy way, but this is affect you so try companies ca help you or talk a an attorney in you state.

have you considered settlement? it may not be for you either depending on if you can stop paying and start saving(except for the mortage) and with the paycut im not sure if that is a possablity or not. If its not the only option you have is bk. I know its a pride thing for many, but dont let that stand in your way if that is what you truely need.

consider settlement as a possibility read up and know the facts about it, on it see if it may be a better option for you, if not, then bk is your only choice

Obviously the motorhome's your priority. It has value, and you could rent it out and make it a productive asset.
You should probably do your best to stay on top of those cards, but if that's not at all possible, you can TRY settling with them on your own.