I would seek advice directly from an insolvency practitioner, who can carefully explain all of the options to you so that you can understand the advantages, disadvantages and implications of each one.
Visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice as to all the options open to you.
Don't go with the first company who approaches you - you need to be happy with the company you use.
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