I had this discussion on the other site quite a while ago (the one that would not allow me to mention this site!!!) ..... although the "charity" firms do not say they are charities or govt. funded, they pointedly do not deny this either, fostering this incorrect notion that they work for nothing and are the champions of the debtors.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014