I am thinking of filing bankruptcy husband changed jobs and we lost 1000 a month and just cannot keep up with the big loans we have.

I havent had a raise in 2 years cost or step grade. I have a mortage loan with a finance company that is eating me alive and if I am 5 days late they start calling me and charging me interest everyday, they have threated to forclose on me if I get over 2 months. The loan is for my land and cottage I live in with my granddaughter. I owe 25,000.00 on it and dont see it getting any lower with the interest on I keep getting for being late. I also have some credit card dedts that I had to just let go and not pay that adds up to around 5000.00. I have tried everything I could do to keep above the water but I cannot do it and I am tried of the calls, the creditors will not take what I can pay they want what is due. I would like to know what is my opitions.. I need some help. Thanks for any advise you may share.