my daughter tells me she asked the iva company to make her bankrupt and they said they could not as there was insufient funds in her fund even though she had paid in for over three years regularly whilst working she would prefer this option but could not afford to the 400 pounds she has been told it...

my daughter has failed her iva due to birth of her baby and unemployment a creditor is now using a debt collection co and has said they intend to take her to court it is a substantial amount what should she do ?