If it not going to cost you anything it would be worth taking all the help you can. It is possible that your IP will be obliged to make you bankrupt anyway but if you have to pay anything it is easy enough to do it yourself.
Hi
You have quoted your income weekly and this equates to 1868 pounds each month, less expenses listed of 1747 gives you a disposable income of only 121 pounds. Clearly bankruptcy is a sensible option unless you can secure tax credit payments and continue with an affordable IVA
Regards
