we need more money

Today has been awful. Husband is now talking about bankruptcy. Is this the path we have to take. We cant look at an IVA because we dont have enough disposable income. We are trying to set something up with a company called payplan, they add all your debts up and contact your creditors for you. The problem we have is it will take us 57 years to pay off our debts doing it this way. I think we will both be dead before then. We have equity in the property we own but I really don't want to loose it. If only we could win the lottery our problems would be sorted.