Dear Mattjo
The best thing to do would be to contact her and have a chat with her, she is ever so helpful and speaks excellent english, as do all of the staff there and then you would get a better idea if its for you, as every one's situation is diferrent re amounts owed etc. You would be better placed then to make a decision if that is the route you want to take.
Please do be aware it is best not to discuss any progress if any on an open forum.
Kind Regards
Mark