If you borrow more, even if you could get credit, you would potentially be getting further into debt.
Speak to a couple of IVA companies, preferably the smaller ones, and take advice from them.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
An IVA isn't the only solution available to you and you should do some research as well as speak to a few Insolvency firms.
I would suggest the smaller / medium sized firms, rather than the "IVA factories". In the smaller firms you are likely to get a more individualised service as well as direct access to the IVA supervisor.
A decent firm should take a full history and then advise you on the pros and cons of each available solution, for you to make the choice.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014