You don't need to have an IP near where you live as, unless you are self employed, you needn't have a face to face meeting.
Visit www.iva.com for a list of reputable companies and reviews. Give one or two a ring for free, impartial advice. They will tell you of all the options open to you and the best way forward.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
