I would simply recommend that you make appropriate representations to your IP regarding your offer, explain why it is being made, and why you feel that you cannot make the payments any more, and then advise that you wish it to be put forward to creditors. I suggest you make it clear that you accept that it may not be issued with their recommendation, and that you accept therefore that creditors may not accept the offer. In such case, you will need to be prepared to fund any addiitonal costs the IP will incur in putting forward your revised proposals.
I cannot see any advantage in you contacting Max Recovery directly, similarly I see no place in the market for the sort of firms your friend is advising you use. Stick to your own IP, and I feel sure that you will get the result you are looking for - and don't forget it is the same creditors that both advisors will be dealing with, and they are unlikely to listen to some unqualified "financial advisor" instead of your IP!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk