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No. SSD and SS benefits of all types are 100% exempt from creditor attachment. They are protected by federal and state exemptions/laws.
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Answer No. All Social Security benefits (SS,SSD,SSI) are protected by federal law and are exempt to creditor action. This does not apply to federal or state tax arrearages o…r court ordered child support. - - - - - - - - Generally no. HOWEVER - they can be garnished for payment of debts owed to the federal government (taxes, federal loans, etc) AND for the nonpayment of child support or alimony. - - - - - - - - Social Security benefits of any type cannot be garnished for creditor debt, they are protected against such action by federal law. Solution to protect your Social Security from creditors:1- electronic deposit to checking account. 2-withdraw what you don't need to cover in bills. place into interest bearing savings account NOT RELATED YOUR CHECKING ACCOUNT, (different bank) or put it in your mattress. I DISAGREE IN PART TO THE SOLUTIONS, HERE'S WHY: If you know a judgment/garnishment is coming, get your money out fast and do not deposit your check into ANY Bank or Credit Union account in order to protect it, separate account, or otherwise, until you have a working solution you are comfortable with. While it is true that SSDI monthly benefits and arrearages are protected from most garnishments by Federal Statue, BANK ACCOUNTS ARE NOT! Therefore, you could find your bank account frozen and the your money withdrawn by creditors, even if the money is in a joint account. The check and the benefits are protected, but once they are deposited into a bank account they are fair game to levy/garnish by creditors. It may take the filing of court papers, a lengthly process, and time without your money if you are able to prove the origin of the money. Three options I can think of are: 1. Notify via certified mail/return receipt requested your bank, the creditor, their lawyers, and the court that the funds in the specified accounts are exempt from garnishment/attachment per Federal Statute. Open a brand new account and set up direct deposit to prevent "commingling" of funds from any other sources. 2. Change the method of receipt of your funds to the Debit Card for people without bank accounts offered by the SSA. Money is filled into the card which is used just like a MAC Debit card. 3. Store the money under your mattress. I agree the govement only can take there money if it's loans from the usa but if it's like civil matters they can not touch you what so ever no matter what even if a judge has order a seizoure of your accounts you can call the ssdi people and they will stop it child support can be garnished as well but there is a way to stop it too i have seen it done
Answer It depends upon the circumstances under which thegarnishment writ was executed. The exemption of account monies isnot "automatic", the judgment debtor is responsible fo…r notifyingthe judgment creditor, the court and the bank of accounts thatcontain funds that are legally exempted from attachment. If the SSbenefits were commingled in the account with non exempt monies thegarnishment (levy) is valid. The judgment debtor can file anaffidavit with the court where the garnishment writ was granted tohave any seized exempted funds returned, but this must be donewithin the time limit allowed by the laws of the state in which theaccount is located. If the creditor executed the writ knowing thatthe funds were exempt and the bank released the funds with thatsame knowledge, both can be held liable for any financial damageincurred by the judgment debtor due to the invalid levy. [edited by Ron King] "Sec. 207 . [42 U.S.C. 407] (a) The right of any person to any future payment under thistitle shall not be transferable or assignable, at law or in equity,and none of the moneys paid or payable or rights existing underthis title shall be subject to execution, levy, attachment,garnishment, or other legal process, or to the operation of anybankruptcy or insolvency law." The only exceptions allowed to date are for Child Support paymentsand federal taxes. So, no, SS benefits are NOT subject togarnishment in ANY State of the Union. Furthermore, SS benefits areNOT subject to attachment via any court proceeding. The U.S.Supreme Court has held that Social Security funds deposited into abank account "retained the quality of moneys' within the purview ofsection 407[.]" Philpott v. Essex County Welfare Bd., 409 U.S. 413, 93 S.Ct.590, 34 L.Ed.2d 608 (1973). Courts have also held that the fundsremain exempt from legal process even if they are commingled in abank account with other funds, so long as they are reasonablytraceable to Social Security. NCNBFin. Servs. V. Shumate, 829 F.Supp. 178 (W.D. Va. 1993), affd. 45 F.3d 427, cert. Denied 115 S.Ct. 2616. If your bank has put a hold on the funds but not delivered them tothe court, you can have them reverse the hold and report the fundswere not available for attachment. Any fees associated with theimproper hold may also be reversed and NSF fees from payees on youraccount(s) may be demanded from your bank. Your bank is responsiblefor KNOWING [42 U.S.C. 407] (a) and therefore cannot claim ignorance of the status of yourdeposits. Liability for compliance with [42 U.S.C. 407] (a) attaches upon acceptance of your deposit.
Social Security does not allow garnishment of disability benefitsby creditors. Any credit card company, business, or individual whohas won a judgment against you will never ga…rnish your SocialSecurity disability check. Social Security will allow garnishment of your SocialSecurity disability benefits for current and past due child supportor alimony. And the Internal Revenue Service is allowed to garnishSocial Security disability and retirement benefits for delinquenttaxes. Also, in addition to the IRS, other federal agencies may be allowedto garnish Social Security disability benefits. For instance, if an individual owes student loans that werefederally guaranteed their Social Security disability benefit canbe garnished. In theory, any money owed to the federal government can conceivablybe garnished from Social Security retirement or disability checks. If you receive Supplemental Security Income (SSI) disabilitybenefits, however, no creditor can garnish your benefit, not eventhe Federal Government. Since SSI is a need based disabilitybenefit, it cannot be garnished.
Answer If you do not owe the creditor, then you should make sure they understand that the account is not yours. If the number they are using is wrong but the acc…ount belongs to you, the debt is still yours to pay. Unfortunately you need to work it out with everyone so that your credit reporting information is correct.
No. If a creditor other than the federal government tries to garnish your Social Security benefits, inform them that such an action violates Section 207 of the Social Security… Act (42 U.S.C. 407). Additional Information I only work as a paralegal at a judgment recovery firm which handles wage garnishments and bank account garnishments to collect money from judgments which have already been settled, I am not an attorney and I recommend you speak to one for legal advice. With that said, the basic answer is no they cannot. When pursuing for instance a bank account garnishment the law firm is required to send you a form notifying you of the garnishment action and included in this paperwork are some discovery forms where you will be asked a series of questions which they use to try and find other ways to collect such as other accounts you may have, etc. Included in this discovery is a form called "Claim of Exemption" where you have the option of saying that you are exempt from all or part of the garnishment because of reasons that you check off or write in. One of the options is social security benefits, which are specifically listed as exemptable income. Among various other things once you file this you say that they cannot take this money. Your money will remain frozen which is what happens when they move to garnish your account. The simple act of filing this though will prevent them from moving for a final judgment of garnishment which moves to actually have bank take the frozen money and send it to the firm. Now in my experience there are plenty bogus exemption claims, but when the exemption was for social security payments and the claim was valid, the case is usually dropped. occasionally usually on demand by the client the firm may move ahead with a hearing for an objection to your claim of exemption but if the claim is valid then even when defendants appear pro se (without an attorney) the exemption claim has ALWAYS been sustained by the judge and the objection overturned and soon after your money will no longer be frozen. Once again I advise you to speak to a licensed attorney for legal advice, this is just what I observe at our particular office as ONLY a paralegal. Good luck.
Maybe; best see a lawyer.
NO. Social Security income is protected from creditor claims.
Social Security cannot be garnished by ordinary creditors. It can be garnished: - for unpaid child support or alimony. - for court-ordered victim restitu…tion. - to collect unpaid federal taxes or other debts to the government.
No, they are protected from creditor judgments under federal statutes. However, all Social Security benefits awarded to a non custodial parent are subject to gar…nishment for child support obligations.
Yes, but only the federal government can garnish your Social Security check, and only for limited purposes, such as payment of child support, alimony, delinquent taxes, and de…bt to other federal agencies. Federal law prohibits creditors from garnishing social benefit checks, such as Social Security, unemployment, workers' compensation, SSI, VA benefits, and so on. The problem is that unethical creditors sometimes freeze and levy a bank account after the benefit is deposited and beyond Social Security's protection. Not only will the creditors suck money from your account, but the bank may charge penalties and fees for the garnishment and any checks that bounce. If this happens, you'll need to file a "waiver of garnishment" and get a court order to stop the action and get your money back. You can also notify the creditor that the income is from Social Security and protected from garnishment under federal law, and ask the bank to unfreeze your account (all in writing). Contact your nearest Legal Aid Society for assistance. If you can't afford to pay, they will assist you at no cost.
Yes they can sue you,but they can,t take your social securty,if you have very little asset,s,you could be judgement proof.
It depends on the type of disability check.. but typically no..
Only federal government can garnish your Social Security check, and only for limited purposes, such as payment of child support, alimony, delinquent taxes, and debt to other f…ederal agencies. Federal law prohibits creditors from garnishing social benefit checks, such as Social Security, unemployment, workers' compensation, SSI, VA benefits, and so on If a creditor other than the federal government tries to garnish your Social Security benefits, inform them that such an action violates Section 207 of the Social Security Act (42 U.S.C. 407).
Hi, Ya sure, why not? Thanks