Over the life of your proposal you may not miss more than 2 payments. If you miss 3 payments, the proposal to the creditors will collapse and is annulled by the Court. If your proposal is annulled, your unsecured creditors may immediately apply to the court to garnish your wages, and interest charges are applied to your debts back to the day when you first filed your proposal. If you start running into payment problems with your proposal to your creditors, contact your licensed insolvency trustee immediately.