In reality, your question does have a spiritual side to it, because God is concerned about every part of our lives. He loves us, and He knows what we’re going through; as the Bible says, “Nothing in all creation is hidden from God’s sight” (Hebrews 4:13).
Have you and your husband asked yourselves how you got into this situation? I don’t know how you’d answer, but I suspect the real reason is because you didn’t keep your spending under control. You wanted something, so you bought it — even if you couldn’t afford it. In other words, the problem was within yourselves, and although it’s probably hard for you to admit it, you have only yourselves to blame. This is why I urge you to turn to Christ and ask Him to forgive you and take away your greed and self-centeredness.
What can you do? First, seek advice about your finances from someone you can trust, and who can help you find the best way out of your difficulties. Then act on that advice. No doubt it will include making a realistic budget — and sticking to it. It may also involve cutting up your credit cards or locking them away; easy credit is a dangerous trap. The Bible says, “Let no debt remain outstanding, except the continuing debt to love one another” (Romans 13:8).
In addition, put Christ and His will first in all aspects of your lives — including your finances. God loves you, and His way of living is always best.