Thanks for the advice will seriously consider all options. Great Forum so glad I discovered it.

Melanie thank you so much for the quick reply,if I was to raise £35k and distribute it pro rata to all the creditors as you suggest, how do I arrange monthly contributions thereafter? With an informal arrangement? I shall not have any protection from CCJs or BR shall I?
Thanks

This is my first post looking for some advice or second opinion(s)! Have unsecured debt of £88k and been paying in a DMP for the last 3 years with Payplan, I pay £770 monthly. Debt mostly in my name and £19k in joint names. Got around £70k joint equity in my property and been trying to find out weth...