hi and thank you for this site. am considering a bankruptcy. i lost my house over 7 years ago. a collection agency is after me for the cmhc debt. how long does the cmhc debt hang around my neck like an albatross. they have stated that they will garnishee my wages for the debt. this is a new statement from them. i am not sure if it is a scare tactic or if the govt. has instructed them to proceed.