Contemplating Chapter 13.

I am a flight attendant, my normal flying month "should" consist of 77 hours. For the past 5 years I have been picking up overtime trips that bring me up to 110 hours just to survive. (since 9/11 my pay was cut 32% and in order to make the same amount I have to fly the extra hours) My question is this: I know I will be asked for pay stubs and income tax filings for x amount of months/years. This will show an income that is at least 32% higher because I am having to fly a LOT of overtime. I am getting up in age and just can no longer keep doing this. What I am afraid of is that they'll base the payment off of this high time. Is there a way to show them what my actual schedule should be and then show them that I have to pay a service $150 a month to pick up overtime? Also I have a 1st and 2nd mortgage both with good fixed rates. Can anything be done about the payments to them? Meaning can they be lowered? At least the 2nd. I want to pay my debts, but I just cannot continue with this added overtime (I also have to commute to my base, via auto 2 hours and a flight of 4 hours before I actually start my 15 hour flight in which I get paid)
I don't have an auto loan but I do have credit card debt in the amount of $20,000 and the 2nd is $65,000. Any help would be appreciated and thank you so much for taking the time to read and respond.
I am current on all of my bills but I am running out of resources to keep it up. If I were to file Chapter 13, should I not pay some of my unsecured debt (credit cards) while going through the process? What about skipping one mortgage payment? Again I have never been late on anything, but I am getting very very very very close! Thanks again :) - Is this your question? Add additional information