When you say you have been "refused" an IVA, what do you mean? Have you presented a proposal which has been rejected, or has a firm you have been chatting to refused to proceed ?
I echo Foggy's thoughts, obviously different things suit different people but £7,000 is a relatively small amount to have to go into an IVA for with the long term impact that may have.
It may be an idea to get a few opinions from Experts on what may suit you best. All the best though.
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