Bill paying/retirement saving

I started late and did a few dumb things over time . I have 11,000 in card debt, two cars with about 30,000 dollars on a loan. I am 56 and saving 12% to a 401k . A few say pause the 401k and bump the payment to the cards and car . A few say 56 keep paying the 401k for retirement is only 10 years in front and 56k is not enough. What’s your opinion for someone late to the table. Thanks