I've seen this point made elsewhere too, but I'm not sure I understand it. The ISAs are, as far as I know, capped at 30k, and only apply if you're making 50k/y

I've seen this point made elsewhere too, but I'm not sure I understand it. The ISAs are, as far as I know, capped at 30k, and only apply if you're making 50k/yr. I can't imagine a situation where someone's decision of whether or not to declare bankrupcy comes down to the 30k-max ISA; either it's the majority of your debt, and you're making >50k/yr, or it's a small amount relative to your other debt, in which case you should proceed anyways.