I’m still waiting for stepchange to get back to me, but wonder how “your signature will have to be witnessed by a solicitor or a commissioner for oaths.” works out. Would I need to travel, are these a common thing that can be accessed locally, would the charge go through the IP?

Thanks both!

Got online advice from Stepchange. An IVA is their recommendation.

They’ll be in contact soon.

Really glad to have found this forum