In a word yes, you dont have to sign it if you dont agree it, the only time you have no choice is if the OR went above that and applied for an IPO which is done through the court, but most people have it sorted out before then. :-)
Jo x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called: Needafriend's Info on Bankruptcy :-) http://debtfreejo.blogs.bankruptcyhelp.org.uk/ Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!