Question: hi there,
i live in ontario, canada and have a mortgage deficiency judgment with the cmhc that has been in repayment by wage garnishment for about 3 years. that’s a long story and that’s not important. i think it is odd that i have never received a statement of account activity or amount outstanding. am i entitled to this? if nothing else an end-of-year statement would be nice so that i can get an idea of when this torture will end. 
thanks
Answer: Yes, you are entitled to know what you owe, but it is not unusual for CMHC, a government agency, to not communicate the balance owing. Unfortunately losing a home and having CMHC garnishee is becoming much more common.
To find out what is owing, we suggest the following approach:
First, ask your payroll person at work to show you the original garnishment notice; it should have contained the amount owing. You can then deduct what you have paid over the last three years to determine what remains owing.
The next option is to call Canada Revenue Agency (they do most of the collections for CMHC), or call CMHC and ask them for the balance owing.