I take it then your unsecured debt is £10,000 of credit cards and the PG £36,000 making it circa £46,000. With little or no assets then bankruptcy may be an option for you but you are advised to get a review with a reputable debt advice/help agency, I have a list of those that will not charge you fees and are not for profit here http://www.debtwizard.com/debt-guide-ad ... dvice-help
StepChange might be your first call.
If you are able to raise a reasonable sum, for example £8,000 then there is the possibility that you can avoid bankruptcy and offer this to ALL your creditors (£46,000) amount in a full and final IVA with NO monthly contributions. This will obviously be subject to a review but if circumstances are right then it is a possibility. The fees for the IVA would be deducted from the lump sum and not paid separately, this sum could be higher or lesser, it 's flexible but based on what you can afford to raise. More on IVAs below.
Take me to - What is an Individual Voluntary Arrangement, IVA?
We also have a useful link on the IVA v Bankruptcy, the top 10 answers to questions that most worry consumers
Re hubby, I take it he is not on the Personal Guarantee? If he is then there could be problems if he wished to go bankrupt and continue his business, more so if it is a limited company.
Finally, note the following which you can say to Barclays or the enforcement officer (bailiff) under the Financial Conduct Authority (FCA) Debt Collection Guidelines you are to be given 30 days leave to obtain advice and understand your debt options.
The FCA link immediately below will take you to Conc 7, start there but also see section 'CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors'.
Particular relevant sections for you are 7.3.7a, 7.3.11 and 7.3.12.FCA Debt Collection Guidelines
Trust this helps,