Avoid bankruptcy in canada?

Hi,’I want Information about bankruptcy.My husband have debt over $ 60,000 and he thinking for bankruptcy.My question is that my husband avoiding calls for 2 and half years what is the best option bankruptcy or consolidation at this time my husband don’t have any job and we have family of 5.If he consolidate how much loan will be write off.My english is not good but I need advice because My husband can’t afford lawyer fee.Waiting good response

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