I’m really sorry you’re in this situation. Remortgaging might seem like an option, but you’re going to find it really hard to get a lender with your debt status. I would go down the route of bankruptcy, as hard as it would be. You’ve got CCJs and payday loans up to your neck with the sounds of things, and this is the only thing that will clear them all. If you think you have another option, try that first. Contact stepchange or whatever it’s called. Have a word with your bank, mortgage place, to see if theres anything that can be done, but be honest about your situation.
Be honest with your wife about it all, so she can support you. I know it’s hard, but you can do it. Contact Gamcare, they offer counselling. Any sign of you getting help with make this process a little bit easier.
Winningbird