I do not understand what IMNFL means (didn't find anything on google search).
You don't understand the Canadian process. I didn't have a $ 10,000 for a bankruptcy discharge, it's $ 50,000. That $ 50,000 is based partially on the trustee fee $ 10,000, and the remainder of it on the actual debt ($ 40,000). The original debt is about $ 140-160,000 and the idea was making 5 annual payments of $ 10,000. If any of those payments are failed, then the money paid is gone and the debts are restored back to the original amount plus interest as though such a proposal was never made.
An amendment to the proposal is allowed if you fall on tough times, but if the amendment is denied then the whole proposal is dead.
Right now I'm on my fourth payment, which means I've already paid $ 30,000. If I don't come up with the other $ 10,000 soon then the whole thing is dead unless an amendment is accepted. If it dies, then the remaining options are to declare bankruptcy on the rest of the debts (this stays on the credit bureau record for 7 years, but on the other hand, if you are not making that much income anyway it shouldn't make that much of a difference since even if you have good credit but a weak income you are not going to really go anywhere).
There is plans to come up with an amendment to reduce the payments to $ 5,000 if there is a problem and hope it gets accepted. However that's the worst case scenario, and 3 payments were made in the past few years.