Should I cash out my IRA?

My wife and I are in serious debt. We have 50K on credit cards and we are a month behind on our mortgage. We are also upside down on our house. Paid 610K and homes are now selling around us for 380K. I was laid off for a long time and just became employed this month but for almost a year all bills were put on credit cards, along with my wife's surgery. I have enough in my IRA to pay off the credit cards and that would just leave us the house payment. Deciding if it is worth it or just falling on the mercy of the bankruptcy court.