Hi all, please could anyone help me with this. Basically i enquired with step change for breathing space - just to give me time to re evaluate my financial situation & update some arrangements. However, following this , I received a call from a debt advisor from another company - offering advice initially. Before I knew it, I felt pretty much obliged to take on an IVA as it sounded like it would really help with things. I was then pressured into quickly signing proposal forms for a creditors meeting. Although I appreciate them helping, I did address a few concerns about a joint liability. It came about that my partner would only be eligible for half of this amount- I have since been made aware that he will actually be liable for all the amount still & so that alongside other things such as being added to the insolvency public record - I have had a change of mind. ( I also have no assets, not a homeowner & debt is less around 14000 but an extra amount for the joint liability, around 3000 ) Overall I’m now convinced the IVA won’t be my best option. However, I’ve made several attempts to communicate this to the company - requesting them to cancel the meeting with creditors next week. They have not replied a confirmation of this but sent a message encouraging me to continue with the IVA, making it sound to be in my best interests. Please advise, can they just do this meeting without me ? As I have said a few times to cancel it & explained why, apologised for inconvenience. I am currently signed off work & suffering bad anxiety & I just want some time to think. I could look into something in the future but right now iv got a feeling I would regret the IV down the line. Please advise. Many thanks.