After speaking with Apple, I attempted to erase the drive from Restore (shut down then command+R upon restart) so I could then restore the data from Time Machine backup. BUT, when I got to the formatting options, there was no APFS option visible via disk utility. You might see the APFS formatting option on your Mac and so you can ignore the rest of this saga.
What I then did was reinstall (from recovery mode) the OS. For my Mac it was Sierra. Once I had a clean install of Sierra I went to Software Update to get a copy of Mojave. I downloaded it and installed - checking to make sure this time Mojave had converted to APFS (It had ). Then I returned to Software Update and downloaded Catalina. Once I tried to install was given a new error that the download was corrupted.
Lastly I went to the Apple site and downloaded Catalina directly. Finally it installed correctly.
Yes, it was a complete clusterf**k. But those are the hoops.