Hi and Welcome
Bankruptcy is not as scary as it might sound but you should bear in mind if it would have an affect of your future employment. An IVA based on others contributions sounds a bit risky to me, its a five year committment and if whoever is paying's circumstances were to change, ie a new baby, loss of job, the list is endless and your IVA were to fail you would lose all that has been paid in and BR may then be the only option. Do you have assets you want to protect?? Take your time, I know this is a stressful time but make the right decision based on an informed choice and not out of desperation.
Good luck to you
LILY
fly me up to where you are beyong the distant star, I will wish upon tonight, to see you smile, only for a while, to know youre there, a breath away is not too far, to where you are.
