I was told by a CM the other day, that as long as they see that you have made significant deposits towards your package, they will just note your account that you will be paying late. My 45 day payment was due on Oct 31st, but was unable to pay in full due to an emergency home repair. I called and told them that I would be paying the entire balance on Nov 18th, which is actually 25 days before my trip, and they said that it was okay and that they would note it on my ressie. The CM told me that ressies aren't automatically cancelled, but that someone in Guest Services must manually cancel. If they see that you have $2k paid already, they will just send you a late notice email/phone call, but will not cancel you.