Deemed annulled consumer proposal: what happens next
Quick summary
A consumer proposal is deemed annulled when you miss too many payments. Creditors can then try to collect again. In some cases it can be revived. Talk to your trustee right away. Next step: read how a consumer proposal works.
Checked November 2, 2026. Main source: Office of the Superintendent of Bankruptcy, Deemed annulled consumer proposals. Checked November 2, 2026.. See all 2 sources.
Key facts
- What it means
- A proposal is deemed annulled when you miss too many payments
- Source: OSB, Consumer proposals, read Nov 3, 2026
- Missed payments
- Three monthly payments
- Source: OSB, Consumer proposals, read Nov 3, 2026
- First step
- Talk to your trustee right away
- Source: This page, read Nov 2, 2026
What it means
If you pay monthly and miss three payments, the proposal is deemed annulled. If you pay less often, it is annulled when your last payment is more than three months late.
After annulment, creditors can go after the debt again, unless a court orders otherwise or an amendment is filed.
Source: Office of the Superintendent of Bankruptcy, Consumer proposals. Checked November 2, 2026.
How it can be revived
- The trustee sends creditors a notice (Form 93). If no creditor objects, the proposal can be revived automatically.
- A court can also revive the proposal on terms it considers appropriate.
- The trustee may ask you to repay missed payments, give security, or follow a repayment schedule.
- After revival, the missed payment count goes back to zero.
- To get a certificate of full performance, you must repay the missed payments within the term of the proposal.
- The term cannot be longer than five years. Changing it needs an amendment.
Source: Office of the Superintendent of Bankruptcy, Deemed annulled consumer proposals. Checked November 2, 2026.
What you can do
- Talk to your trustee as soon as you think you will miss a payment.
- Ask about making up the missed payments before revival.
- Ask whether an amended proposal could change the payments or the term.
- Ask about a court revival if an amendment is not possible.
Questions people ask
What does deemed annulled mean?
The consumer proposal is cancelled because of missed payments. For monthly payers, that means three missed payments.
Can an annulled consumer proposal be revived?
Yes, in some cases. Creditors get a notice and can object. A court can also revive it.
What happens to my debts if it is annulled?
Creditors can try to collect again, unless a court orders otherwise or an amendment is filed.
Do I still need to finish within five years?
Yes. The term cannot be longer than five years. Extending it needs an amendment.
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