hi there and welcome to the forum, you have already taken the biggest step and admitted you have a problem, my advice would be to try several companies ring round or try the ones on this site, don't pay any up front fees, and don't be pushed into anything you are not sure of, make sure your income and expenditure are realistic and that what you put down you will be able to live off over the next 5 yrs if an iva is what you want to go for, the other thing to take into consideration is the creditors who you owe, are they NR or blackhorse or any of the ones that are playing hard ball at the mo?
if you decide an iva is an option for you, you may have to open a basic bank account elsewhere if your bank is one of your creditors, you will also be told to stop paying your none priority debts, this will then start up all the phone calls from your creditors, they are awful but you will get through this, some can be very demanding but your IP will tell you all this.
good luck with whatever you decide and let us know how you get on if you need any advice your just need a rant just post on here and someone will always get back to you.
kerri
Please view my blog at:
http://scaredkez.blogs.iva.co.uk/