I know two who did what your considering with a reputable uk airline which has recently been swallowed up. Those guys times it right and found employment but that was with less hours on type and total hours than you have so I don't think you need to P2F. You should be able to find something through agencies to get you in the air again. One other I know got totally and utterly screwed with another program and lost his money and has no job. P2F is ok as a concept if the company has morals and is either A saying there is no job at the end and is doing it in such limited numbers that it does not affect their pilots or B is essentially looking to employ you providing you meet requirements. Some of the charter outfits give six month contracts and then let you go or invite you back on a permanent deal if you ticked all the boxes. Tread very carefully is my advice but I don't think it will change your situation. Good luck