I am going to apply for a Consumer Proposal. For Income Taxation Years, 2013 and 2014, I have a Disability Credit that lowers Income Tax owed to be $400.00 and this is not paid by me directly in one payment. Instead, the Government takes my HST refunds and I usually still receive one HST as a credit, after debt is paid. For Taxation Year 2015, I will have to pay Income Tax based on income of approx. $27,500 and I can’t afford to pay $300 per month. Can I apply for another Consumer Proposal in Jan. 2016 re: this problem?