Hi linda
Since 1 April 2007, it has not been essential to meet with your IP personally, unless you are self-employed or have a complex case. I, however, recommend face to face meetings as you will get a much better appreciation of your situation and procedures to be followed.
There is not hanging of heads in shame! Your IP is working for you, and ought to give you the very best advice possible in terms of the options available. I suggest you telephone round a few companies first, to see what sort of standard of service they provide. And do read my blog on choosing an advisor, as there are some helpful questions there you may wish to pose.
Look forward to answering all future posts for you!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk