Meeting Tomorrow

[nic_23]

Hi All,
Read and Recieved some great advice on here the last 10 weeks and tomorrow is finally D Day! Got my creditors meeting at 11.15am and am really starting to feel nervous now. I know the proposal I have put forward is reasonable. Im offering 31p in the pound to debtors as follows:
LLoyds Credit Card 11k
LLoyds Overdraft 5k
Egg Loan 10k
Egg Card 1 2k
Egg Card 2 2k
Goldfish 5k
Virgin 5k
Marbles 7.5k
Next 1.5k
Barclaycard 1+2 500
Halifax 3k
Capital One 2.5k
Total about 55k which I am so ashamed about as I have very little to show for it but I should know by this time tomorrow how I will fair. Bancruptcy will not afffect my job so this may be the only option if it doesnt get approved.Not keen at all but it my be the only way.
Just wondering does anybody know what these creditors are genearlly like any really bad ones??
Thanks for listening!
Nic

[MelanieGiles]

Think that this has been answered on another post - but most of those creditors are supportive so long as the best proposal you can make is being put in front of them.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp