Credit Card Help! or Bankruptcy? Need lots of advice! $47,000 debt...can't afford bill....HELP!!?

Ok...here's my situation.....my husband and I have $47,000 in credit card bills that we are behind in payments and cannot afford the bills. We've always been short on money despite working constantly....so in being short, we charged groceries, gas, etc for a long time and now we are in this situation. We have a 1st & 2nd mortgage totally $209.000....our house is valued at $300,000...so we have alot of equity which we were told from a lawyer that we have too much equity to file bankrupty or we would have to pay $783 a month back to our creditors....which we cannot afford or we wouldn't be in this situation. We have tried over 10 lenders for a refinance to include this debt and have been turned down by ALL of them because our debt to income ratio is way too high. Can ANYONE please offer us any advice on what we can do? We cannot downsize our house because the house sits on my grandfathers land right with my parents and 2 sister's house. Any advice is greatly appreciated! Thanks