In general, a debtor may claim exemption of his homestead and non-exempt personal property from attachment or execution of a judgment, or in a bankruptcy proceeding.
Any person may claim exemption of his or her homestead from forced sale under any process of law by recording a written statement containing a description of the real property, mobile home, or modular home claimed to be exempt and declaring that the real property, mobile home, or modular home is the homestead of the party in whose behalf such claim is being made, with the Circuit Court , (Section 222.01.)
Certain personal property is allowed by law or by the State Constitution to be exempt from levy and sale, the debtor may claim such personal property to be exempt from sale by making, within 15 days after the date of the levy, an inventory of his or her personal property. (Section 222.061.) Personal property which may be exempt include certain portion of wages (Section 222.11), life insurance policies (Section 222.13), annuity contract (Section 222.14), unemployment compensation benefits (Section 222.15), disability benefits (Section 222.18), pension and retirement funds (Section 222.21), motor vehicle up to a value of $1,000 and interest in any professionally prescribed health aids for the debtor or a dependent of the debtor (Section 222.25).
So they can't take or garnish your income nor pension nor house.
The issues are the motor vehicles.
So your option is to sell the vehicles and lease instead OR place the ownership of the vehicles in a child's or family member's name.
They can grab and sell the vehicles if they get a judgment against you.
So your options are:
1) file bankruptcy - not really an option for you.
2) sell the motorhome an pay the deficiency
3) let them repossess the motorhome and pursue you for a deficiency judgment. Your only concern is your vehicles - they can be sold and you can lease instead.
But those are your options given the facts and circumstances you presented.
I know not the best options and I'm sorry for my answer.
I realize that this answer may not be entirely to your liking, and I regret being the bearer of information that you really don’t want to hear. But it would be unfair to you and unprofessional of me were I to provide you with anything less than truthful and honest information. I hope you understand.