Should I file for bankruptcy

You don't say how much your actual credit card debts are or whether or not you want to keep the Fifth Wheel or the truck. However, if you find that you adon't have enough money to live on after you pay your bills, you should definitely consult with a lawyer who specializes in consumer debt/bankruptcy as soon as possible. Some debt consolidation companies often may charge a fee that greatly exceeds the amount that actually goes to your creditors, others really can work with you and do a great job, but you need to get help prior to your mortgage getting behind. It's possible that you might be better served to file bankruptcy, reaffirm (agree to keep paying your mortgage or even some of your other secured creditors), but seek a discharge on the remaining items, even if it means giving the Fifth Wheel back to the bank. An attorney can look at your entire situation and hopefully help relieve some of the pressure that you are under!