In regards to your questions above, im going to answer them in order you have wrote them above so it clearly to understand. · There are a number of ways to come out of an IVA, but you will have to talk to your IVA provider about this. Different IVA companies work differently to others. · You can change your IVA provider during an arrangement but you have to cancel your current IVA with you provider first. But please be aware this can have an impact on future IVA’s you apply for. . No, bankruptcy is not the only option you have when coming out of an IVA arrangement, but again you will need to speak to your IVA provider about this as each company have there own routes to take. This also applies to the above point. Hope this helps