my creditors meeting is booked for 3:30 today and I'm very nervous! hardly had any sleep last night I just don't know what I will do if the IVA is not accpeted. I have around £16,000.00 of unsecured debt and my proposals is to pay £221.00 per month for 5 years. NatWest and Barclaycard are my biggest creditors with just under £9,000.00 to NatWest and around £3,200.00 to Barclaycard so if they vote against then my IVA won't go through.
I'm at work today which shall hopefully pass the time a bit quicker but I feel sick i'm so worried it will get rejected
any body have any good advice? or think i am offering them too little?