Hello Super8 and welcome to the forum.
Try not to be too hard on yourself about having borrowed the extra money. I think this is happening more and more often.... One of the first things you can consider is adding your Provident loan to your debt management plan. This is definitely possible - have you spoken to your debt management company about this?
Alternatively, you might be able to consider an IVA (https://www.beatmydebt.com/iva/index.htm
). I understand that the equity in your property is more than your debt. However, if the the property in joint names with anyone else? That would effectively half the equity. If you own the house alone, you may still find that the forced sale equity in your property is actually less than your prediction and the return to your creditors would still be better than bankruptcy and thus allowing an IVA.
I think it would be well worth your while speaking to a debt expert about this.
Discharged from bankruptcy in 2010 and still debt free
Thanks to all on this forum for your advice and support.