Your land would not fall under a homestead exemption, as it's not your home; it wouldn't fall under any exemption for personal property, including the wildcard, so it would appear subject to being sold to satisfy your debts.
It may well be appropriate for you to file for bankruptcy. That's a decision you should make, though, after having your situation reviewed by a bankruptcy lawyer. Even with the poor job market, $25,000 in debt is not an extraordinary amount when carried by two people.

