PNC bank and secured loan

I have been laid off for quite some time now, my spouse is on SSA and it just gets more difficult to handle the bills. We recently worked out settlements on our cc debt, but still struggle to pay a secured loan that was recently taken over by PNC (from National Bank). Has anyone worked with PNC? The loan is for our RV; which is now our permanent home. Each month we sink deeper; we have less coming in than what needs to out. I hope they might be willing to lower the interest rate; which would drop the payment. If we do a voluntary repossession, and it sells at auction, there will still be a huge balance due; I was hoping if it comes to loosing the RV, PNC might accept a short sale (if we can find someone to purchase it). I just don't know what to do; call them and see what they say or wait until we are a few months behind in our payments. Any help or direction would be appreciated.