we are currently in a iva which is crippling us and having a effect on our marrige , we have negitive equilty in our house and are happy to be reprocessed as we hate the house due to bad neignbours etc so we would walk away happly no problem, anyway we want to turn the iva to bankrupcy and hand the house back and go and rent (we will hopefully be ok doing that due to having garentors and disposit etc) So my question is what is the best order to do all this in x