Creditor's look at an IVA as getting some of their money back, it's better than than the alternative for them. Stop thinking negative and try and relax between now and next Friday.
For the creditors its the only way they are going to see any cash back, 99% of them won;y be fussed how you got there, remember you have a bunch if them and each one is out for themselves, but they have to all accept that they are bundled up thats how it works, and they are ok with that.
When I got my IVA process going I was on the hook for over £150K (a good chunk of that was business debt, in joint and several accounts, so they go after anyone who has their name on the paperwork)
They accepted under 40p/£ and they were happy with that.
Important thing is not to worry about it too much, yeah its a stressful time, but don;t let it consume you, this is run of the mill stuff for the IP / banks, they aren't worrying ab out it too much..
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