Hello Charlie2 and welcome
An IVA does not cost anything to start. You should not be charged any up front fee. Once the arrangement is up and running fees are taken from the payments you make towards your debt but these come out of your agreed payment. They are not added as extra. You can read more about this here: What does an IVA cost?
Given this for most people an IVA actually does not cost anything which is one of the advantages.
To answer your second question if you have no income but can get a cash lump sum together (perhaps from friends or family) then you can do a full and final settlement IVA. More details about this option are given here: Full and final IVA