IVAs arent something to jump into lightly. You need to find a practioner who doesnt charge up front fees. They generally look for a minimum of 25% total repayment. All of your creditors have to agree to it. But the biggest point is that if during the 5 or 7 years that it runs if you get into trouble and cant manage the repayments the practioner has to make you bankrupt anyway.(posted 7780 days ago)Payplan & CCCS are 2 free services who can offer impartial advice
www.debtquestions.co.uk is a very good site, the forum is run by a trained debt counselor. www.debthelpuk.co.uk has a friendlier forum with answers from people who've been in similar positions.
Good luck