e_b get some professional advice about an IVA and bankruptcy.
I can only speak from experience to answer your questions.
1. If your IVA is refused the first time modifications will be made and it will be renegotiated or re-presented again.
2..No, under an IVA bailliffs can't come to your door. ALL that creditor hassle ceases. Including the telephone contact and mail.
3. If you marry under the IVA then read Skippy13's reply below.
Now, please calm down and relax. I know that may be difficult to do, but you will take it more information when calm. Someone, an expert will come along and give you very good advice. This is a good forum.[:)]
All I have left is my humour.