Bankruptcy or Not?

Hello, I am looking for some advice about my current debt situation. I am currently with payplan on a debt management plan with my husband. We owe £43921.78 and we have a £113000.00 mortgage and a £16000.00 secured loan and we also pay £278 a month for a £14000.00 loan a friend took out for us to help. I know oh dear, its a devestatingly high amount of debt. I am 26 and my husband is 30. This is our monthly budget -

Client's Earnings (net)£1327.22 per monthPartner's Earnings (net)£1422.88 per monthExpenditureAmountTotal Expenditure (B)£2358.78Mortgage£856.00 per monthSecured Loans (2nd Mortgage)£278.00 per monthCouncil Tax£154.50 per monthMortgage Arrears£144.00 per monthGround rent & Service Charge£35.00 per monthGas£30.00 per monthElectricity£40.00 per monthWater£50.00 per monthHire Purchase (1)£102.00 per monthTV Licence£11.61 per monthTelephone(s)£40.00 per monthWork£40.00 per monthRoad Tax/MOT£20.00 per monthInsurance£25.00 per monthPetrol/Oil/Diesel£86.67 per monthMaintenance£30.00 per monthFood£320.00 per monthClothing/Footwear£40.00 per monthDentist/Prescriptions/Glasses£15.00 per monthPets£25.00 per monthHairdressing£16.00 per monthTotalAmountAvailable Surplus (A minus £391.32Income (A)£2750.10Expenditure (B)£2358.78

We both have 2nd jobs but as they are not guaranteed income, Payplan have left them out. I think also because of the loan with the friend which I was desperate to keep paying, they have not taken the 2nd jobs into account. We have an extra £100 after we have paid this loan. My husband owes his Dad £5000 and he usually gives this to him, even though I disagree with it, because we desperately need it to be going elsewhere. Anyway, the above budget looks OK in principle, but in the time we have been on it its not worked out like this because we both have these damn pay day loans that we keep refinancing which I have one for £300 and my husband one for £100 so this keeps messing us up everymonth and not only that its costing £40 quid a go everytime we do this. This month, we literally had no food and its not been the first time. I have been trying to deal with our debts since my early twenties and I just have come to the end of the line, I feel shattered with it, and whilst it doesnt seem to bother my husband (generally if he has a beer in his hand he is happy) I just dont know how long I can keep living like this, I feel the whole of my youth has been spent on trying to get by. I have nearly finished getting the house ready to sell, because we cant afford to keep it. I dont know if it will sell in todays market and where we will even get the fees for the Hip pack etc, but I guess we will find it somewhere. My problem is I want to leave my husband, all the stress over the years have played a massive part in our relationship and I feel very bitter towards him these days and feel I want to be on my own. But I dont think I can afford to go anywhere because of the mortgage and joint debts etc. I am considering bankruptcy. Can anyone please offer any advice? Thank you x