That's a tricky one to answer, and I can only really to so from my own experiences.
Generally, I do not have problems with any creditors, so long as we observe the various minimum criteria that are enforced from time to time. I also do not put cases forward which I feel have a chance of being rejected, as I am just wasting my client's, my own and the creditors time.
Some creditors are getting harder in judging the merits of individual IVA cases, and they do have their own blacklists of insolvency practitioner firms that they feel may not give the best advice or service. Others are being extremely harsh on income and expenditure statements, and are pushing people to the absolute limits with regard to increased contributions.
I would personally withdraw from a case, if I felt that my client could not afford an enforced increase, and look to other options such as DMP or bankruptcy.
Don't forget that what the creditors want is to get the best possible repayment that you can offer. They do not want you to be bankrupt, but they do want to see effort in addressing the debts.
If you have a good professional advisor, and are being honest about your circumstances, you will have nothing to worry about.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk