Creditors are getting what they signed up for. They are getting it early and they are saving on time and admin costs. It is impossible to predict. I have seen low offers accepted as well as a few high offers rejected. But this is a very good offer and has every chance.
Best of luck -- do let us know how you get on.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk