Your mortgage is too high. For you to prosper you will need to downsize your mortgage.
You need to sell everything you do not need. This could mean jewelry as well. It is better own things and not have them own you. I would sell everything to become debtfree then build it back without debt.
Find extra income where ever possible.
Stop using your CC's. Do not ever use them again until they are paid off and you can pay in full each month.
Selling your house and unnecessary things will lift a massive burden off your shoulders. It will allow you to rapair quickly and build real wealth much sooner. Good luck.
If you are stubborn enough to keep your excessive mortgage you should look into a refi to lower the payment.
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