Many of us have last minute debt due to last ditch attempts at salvation, or simply needing credit to survive. Creditors are not easy to predict and all react differently. Your IP would not put a proposal forward if he or she thought the chances of rejection were high.
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