I am a retired Citizens Advice Bureau worker and for 10 years I have referred clients in serious debt to the UK Insolvency Helpline.(posted 7853 days ago)They are specialists in IVAs and becuase they are funded by the credit industry they are free.
I have always dealt with a chap called Ian Richards, he is one of the senior debt counsellors at the helpline.
IVAs are perfect if you have debts over 20,000 pounds, you are working and you either rent, or have no or little equity in your home.
For IVAs advice visit your CAB or log on www.insolvencyhelpline.co.uk or just phone 0800 074 6918.