di welcome to the forum, the world of iva's is very daunting, the best place to start is to ring a couple of companies up and see what each one gives in way of advice, don't agree to anything unless you feel 100% sure of the company the best place probably to start would be to contact some of the experts on here, many companies ask for upfront payments be wary of this, however some may ask for 2 months upfront and it is returnable always make sure you know what is going to happen to any fees you have paid, at all costs through personal experience avoid debt councillors and synergi, if you post and give a good idea of what the total of your debts are and what disposable income you have left at the end of each month i am sure melanie will be along soon to offer her advice, (she is an IP) and one of the experts on here.
good luck keep posting so we know how you get on we are all here to support you through the process.
kerri
Please view my blog at:
http://scaredkez.blogs.iva.co.uk/