I was told you can miss IVA payments for maximum of 6 months, but there must be a realistic way to start repayments and keep them going after this time.
I also read that you can get some society to pay the bankrupcy fee if you have no money to be able to pay it yourself, you will have to search google to find out who they are. I know a chap who had to go bankrupt, just filled in the forms, paid the money. quick chat in court with someone. all done. He got no hassle from anyone, may not be the same in all cases I fear.