Hi I have been in a iva since 2009 with McCambridge Duffy.this year I have over earnt and not paid all of it in to the iva but have paid some.I was wondering if it's worth staying in the iva or letting it fail and going bankrupt I'm in negative equity with my mortgage could you advise what would hap...

Hi im about to enter my 3rd year i an iva but for the second year iv'e over earned and not declared the money last time this happened they McCd extended the terms of the iva by 9 months will this happen again or should i default and deal with creditors direct
yours scared .