Bankruptcy with variable income

Hello all, I have been in an IVA for a year. I moved in with my fianc!e and kids so my circumstances changed, my IVA payments were reduced, but I’m finding it really tough to meet the payments. Considering bankruptcy but I’m confused about the situation with IPA payments after bankruptcy. I earn a varying income and sometimes it’s a lot lower than other months. How does this work with the IPA payments? I’ve read stories about the OR demanding large monthly payments and am concerned about what I should do. Also how is the expenditure worked out? I earn more than my fianc!e but pay out a lot more too, do they take her income into account?Can anyone advise? Stressing out big time lately.

Thanks in advance
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