At an early stage in the bankruptcy, your monthly income and outgoings will be reviewed. If you have any money left over after meeting your essential living requirements, then you may be asked to commit to an Income Payment Agreement for the amount deemed affordable for you to pay into your bankruptcy. If agreement cannot be reached, then an application may be made to the Court for an income payments order. This normally runs for 36 months from the date the order is made; therefore, it will still run after your discharge from bankruptcy. Most Courts make orders for around half of your disposable income after allowing for reasonable living expenses. If you are considering an Individual Voluntary Arrangement as an alternative to Bankruptcy, in most cases the agreed contributions out of your income into the IVAs will be more onerous in that they usually last for 5 years and take a greater proportion of disposable income after allowing a small safety margin for contingencies. Should there be a change in your circumstances during the Bankruptcy, then it is possible for the income payments order to be varied or revoked.