Hi lynneg and welcome to the forum
I assume that all of the options were appropriately explained to you at the time you entered into your IVA, so why the second thoughts now? There is little distinction between IVA and bankruptcy at the credit scoring agencies to be frank, but your credit rating ought to be of low priority to you at a time when your are paying back debts. It will be restored over time.
I am afraid that when you owe money that you can no longer afford to repay, your creditors are not really interested in you having a better lifestyle, although there does have to be some incentive to soldier on with the payments. Have you reassessed your income to make sure that you are properly allowing for all expenditure?
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