If its of any help I felt the same way and have been very anxious about it all the way through.
I went Bankrupt in May 08 with 25K debt and today have received a letter informing me that I received Early discahrge on 01.12.08 so I know its hard but just cooperate with all concerned and it should be relatively painless.
O.K. just seen that Skippy13 is showing 20 IPA payments made, 16 to go so obvoiusly three years. I am not actually making profit at the minute so 'no' disposable income. Will my wifes income (£700 per month) be taken into account in these calculations? Thanks, dave