I do not believe access is necessary, since any character may view the items of any other, so you can plan your move without access.

However, since I am always trying to make things as easy as they can be given the circumstances, if you can give a good reason why you would need such access, I will consider it. However, any actions done with that access that are deemed to be not in direct help of the planning for the encounter will be reverted. That includes attempts to move any item to other characters.

Of course, full access after repayment of your debts would of course be the preferred and simpler option, which I stress is still open to you.

While I'm here, I'll note that you say you intend to make good on your obligation for people who switch to your new game. Assuming everyone does, you get to pay 100% of your debts back, but lose all the work done in CK. This is an objectively worse outcome than paying your debts and recovering your access and being able to run CK again from there. The only logical explanation seems to me that you are not intending to pay your debts, and are just attempting to drum up support for your new game with that likely fake carrot dangling in front of your creditors.