Hi there and welcome to the forum.
If you have a good proposal and it is manageable for you then I am sure you have every chance of success. It is always a stressful time waiting for the meeting and something a lot of us have been through and remember all too well. Just try to keep busy on the day, I cleaned the house from top to bottom and dont really remember doing it. Make sure you are careful that any modifications like increased payments are ok for you and you can manage on them as this can put pressure on your budget.
As for why some reject a reasonable return, when they would get little in bankrupcy can be just that a lot dont go bankrupt and return to a dmp for various reasons, for some the stigma attached to bankrupcy stops them, others it may be their job doesnt allow it.
I wish you all the best for monday and hope you will post the result, fingers crossed.
Ang
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