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AndrewClearDebt in Manchester advised: 
Do nothing without talking to your IVA supervisor first. IVAs are so highly regulated (and licensed insolvency practitioners so anxious to keep their licenses) that you are extremely unlikely to have been mis-sold an IVA. Bystopping making payments your IVA may fail and any debt you think you have...
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ClearDebt in Cheshire advised:
There is certainly no catch at all. An IVA is a formal and legally binding agreement between you and your creditors.
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Ladybird in Hanley advised:
The CCCS are a charity and will not charge for advice or setting up/administering a DMP. NationalDebtline also offer free advice: http://www.nationaldebtline.co.uk/
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jonny1 in Colne advised:
I think you need to take this matter a little bit more seriously candigal. Bankruptcy is not without it's repercussions.
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ClearDebt in Cheshire advised:
Sammigirli, firstly try and stop worrying. What you need is to know exactly where you stand, so may I suggest you give us a call on 0800 634 3394 and ask for Andrew. I would be delighted to answer any question and put your mind at ease.
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jonny1 in Colne said:
You wonder why we're all worried. Have you seen today's headlines in the Daily Mail -
NEGATIVE EQUITY THREAT TO 3M HOMES