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Question regarding debt discharge and possible filing of bankruptcy.

Question Details: In April of 2008, I lost my job. I went without a job for 8 months. During this time I gave my house back to the bank and I have not made any payments to 5 different credit card companies. I have relocated from my previous state to a new one, due to a new job. As of now I have only my vehicle as an asset. The 5 credit card companies have repeatedly attempted to contact me regarding the debt, which has gone into collection. The interest rate along with the principle has made this a very uncomfortable situation. My question is, can the the creditors garnish my wages if I don't respond.?

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