Jenna
As Ang has very ably explained to you, your right to have an IVA is entirely at your creditors door as they are the ultimate decision makers. Providing your proposals have been fully researched, and you are making the best possible offer, you should have nothing to fear on the day of the creditors meeting.
Choose an insolvency practitioner who has a good success rate, as this generally will indicate that they maintain a good relationship with the main banks and other lenders.
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