Here's a very realistic scenerio:
Atlanta beats Tampa Bay
Green Bay beats Carolina
Houston beats New Orleans. Saints will likely play without LT Jammal Brown
Next Monday, there could be a 4 way tie for the division lead at 4-6. From that point it's very conceivable that the team that goes 3-3 over its last 6 games could win the division thus producing the first sub-five hundred playoff team in 25 years since the strike-shortened season of 1982.
That is the ONLY season any team with a a losing record has made the playoffs. Two teams made it that season. Detroit and Cleveland.
