Hey gigi!
Try this. I took some time and came up with something. Here goes nothing.
If you haven't already, go entirely paperless with your billing. You'll save gas, time, and postage money by doing your bills online. I saved almost fifty bucks a month by doing this! 
Mortgage: Non-negotiable. Perhaps try a refi?
Utilities: There are a multitude of articles online that explain in detail about how to lower your utility bills each month. Read 'em. I lowered/raised my thermostat by a mere two degrees from normal and it saved me about 5% each month. I now use that money as an emergency fund.
Cell phone: 200 - You've already said you can reduce this. Try Cricket. Unlimited everything for just $45.00/month. That's $155.00/month freed up right there.
HELOC: 120 - Perhaps you could include this in a mortgage refi? It might save you a few dollars a month, plus it would eliminate a $120/month payment.
Personal loan: 170 - Try using the $155/month you were spending on your cell phone to knock this puppy out. Then when that's paid, use that $325 ($155 for the cell phone plus $170 for the personal loan) to pay off your car loans.
Car 1: 540 - No getting around this one, unless you'd try a refi, or a trade for something less hideously expensive. Might be worth it...
Car 2: 200 - You've stated that this is your mother's car payment. Might not be able to get around this one. Not to be nosy, but I assume you are paying this because of personal reasons with her (health, age, etc.)?
On credit cards, you've heard the advice: cut them up, see which one has the highest interest rate and pay it off ASAP. Well, I think you'd be better off to pay off the smallest balances first, maybe using the $275.00 we've already freed up (cell phone and HELOC refi) to tackle them. I'd start by cutting up half of your cards (ones that aren't needed or used very often), and pay them off going from the smallest to the largest balances. Don't close the accounts, just remove the temptation to whip out the plastic by removing the actual plastic completely.
Citicard Bal - 900 Min pmt - 40
HSBC Bal - 400 Min pmt - 20
Merrick Bank Bal - 1800 Min pmt - 55
Target Bal - 3400 Min pmt - 90
Home Depot Bal - 1000 Min pmt - 33
Discover Bal - 70 Min pmt - 70 -
AMX Bal - 600 Min pmt - 15
Gasoline (Car) - 130 - Hard to debate this one, as gas prices rise and fall like the tides. Maybe try a weekly allotment of $20 - $25 and look for the shortest route to work, school, stores, etc. Another way to cut back is by going to shopping centers that have most of what you need there, so you can save gas money by making one trip a week instead of stopping off every day after work or whatever, y'know? I schedule my grocery shopping for Monday night around midnight (second-shifter) after I leave work. No crowds, plus I save gas by stopping off on my way home one day a week instead of three or four.
Car Insurance - 185 - Shop around. I called up three insurance companies in one day and had prices varying by as much as 40%. Use the saved cash to knock out your HELOC and personal loans.
Groceries - ???? You've stated that you spend almost $700 - $800/month on food, toiletries, cleaning supplies, etc. Join Costco and get your non-food items like cleaning supplies and toiletries in bulk. Think about it: how many times per year do you really consider changing toiletries or cleaning supplies? Might as well save a few bucks for other purposes, right?
Extra payments toward debt reduction - ???????????? First, automatically save at least 10% of your take-home pay for emergencies and a cushion. That was easily the best financial decision I ever made. When I get my paycheck, I'm the first one paid, not the bills. I earned it, they didn't, you know?
Whatever else is left over, apply that to your credit cards. The interest rates these sharks charge would make the Mafia blush. Brown bag your lunch at work and good luck!
