Advice on Personal Insolvency and Debt Options

I've accumulated significant unsecured debt over the past two years and my income has dropped considerably. I'm struggling to keep up with multiple creditor payments and need clear advice on my options, whether that's an Individual Voluntary Arrangement, bankruptcy, or debt management. I want to understand the implications of each route before deciding how to proceed. I need someone who can review my financial situation, explain the process in plain terms, and help me understand what happens to my assets and my credit rating. I'm based in England and want to get proper legal guidance before things get worse.