https://www.youtube.com/watch?v=mAkQsVS ... SY&index=2
If you are already in an IVA Bankruptcy may still be preferable however consider:
Credit rating affected for 6 years form start (so you may add to the existing damage if you have already started an IVA)
You may have to pay contributions for 3 years into your Bankruptcy estate (So may not reduce the term depending on how far into your IVA you are)
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