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Can my pension be garnished if I cannot pay my creditors?

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Generally, no; but pension payments should be kept separate from other monies.
Government provided benefits are protected from garnishment. Private pensions are also protected from garnishment in most states.

However, if the pension payment is made to an account which has non-pension monies in the account, there are legal difficulties in differentiating between the protected monies and un-protected monies, creating a collection (but not garnishment) opportunity.
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