You need to have a chat with an IP / Insolvency firm direct for a review of your complete picture. We always recommend chatting to a couple as approaches do vary and you need to find someone you 'gel' with.
How much debt do you have ? What are, as you see it, the obstacles to remortgaging ? In recent IVA's secured lending is now also an option that has to be borne in mind.
As for providers, I would suggest a small to medium firm for an IVA, rather than the 'IVA factories'. For a DMP someone like Stepchange have a good track record and do not charge fees for this particular service, being funded, in part, by the banks for this.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk