Generally speaking, once there is a mutually agreed to (between creditor and debtor) payment plan or schedule in place, both parties are bound by it; as long as the debtor keeps paying per the plan, the creditor may not take action against him or her.However, you say that you did not pay for two months; that means you violated the court order, stipulation of settlement, or agreement (however the plan was expressed). Once you violate it, the other party is entitled to go to court and seek to use other remedies, such as garnishinig your bank account, to collect; the other party is no longer obligated to the payment plan or schedule once you violate it, but may take other collections action.