Credit and Debit Cards
Debt Collection
Income Garnishment
Retirement Planning
Social Security

Can Social Security benefits be garnished for a credit card debt?


Top Answer
User Avatar
Wiki User
2006-07-05 12:39:46
2006-07-05 12:39:46

NO! First of all a collection agency does not have legal power to attach or seize any property belonging to a debtor. Due process of law must be followed, meaning a lawsuit. If the creditor wins the suit (they always do) a judgment is entered against the debtor. The judgment creditor can then execute the writ against any non exempt property belonging to the debtor. All SS benefits are 100% exempt from creditor action of any sort. The collector/agency should be reported to the attorney general's office of the state in which the debtor resides, as they have violated the FDCPA by making false statements, using coercion and intimidation tactics and so forth. No. All Social Security Benefits are exempted by Federal Statutes from creditor Macky (


Related Questions

No, they can not garnishee your Social Security payments.

No. All SS, SSD and SSI are exempt from creditor action.

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).

No, all SS benefits are exempted by federal law from creditor garnishment.

Social Security does not allow garnishment of disability benefits by creditors. Any credit card company, business, or individual who has won a judgment against you will never garnish your Social Security disability check.Social Security will allow garnishment of your Social Security disability benefits for current and past due child support or alimony. And the Internal Revenue Service is allowed to garnish Social Security disability and retirement benefits for delinquent taxes.Also, in addition to the IRS, other federal agencies may be allowed to garnish Social Security disability benefits.For instance, if an individual owes student loans that were federally guaranteed their Social Security disability benefit can be garnished.In theory, any money owed to the federal government can conceivably be garnished from Social Security retirement or disability checks.If you receive Supplemental Security Income (SSI) disability benefits, however, no creditor can garnish your benefit, not even the Federal Government. Since SSI is a need based disability benefit, it cannot be garnished.

No. All Social Security (SS, SSD, SSI) are protected by federal law from attachment for creditor debt.

No. Only courts (judges) can garnish wages or social security benefits.

can my non gov't ss disability payments be garnished?

Persons over 65 who have 40 quarters of credit for Social Security contributions, or receiving disability Social Security benefits.

Social security and retirment benefits cannot be attached by a judgement from creditors.

The answer is 'No". Social Security benefits are to help those on retirement with help for everyday living costs, like food and/or rent. They do not help with credit debts.

The following answer was found online, "Social Security benefits can be garnished to repay Federal debts, but never below $750 per month. A garnishment can take 15%, or the amount over $750, whichever is less."

No. Credit bureaus go by social security numbers.

The Internal Revenue Service (IRS) is tasked with the responsibility for collecting most federal taxes, including the Social Security taxes. Social Security taxes are deposited into the United States Treasury and credit is given to the appropriate Social Security Trust Fund. The Social Security Administration (SSA) administers the Social Security programs and distributes the benefits to eligible recipients.

No. I have no idea where you would have got this notion. Social Security cards are not credit cards and cannot be used as credit cards.

Yes. Obtaining a new social security number is no guarantee that your credit history will not follow you.

No. All SS benefits are protected by federal law and are exempt from garnishment by judgment creditors.

No. Applying for a credit card you must be a United States citizen. They varify this among other things with your social security number. To have a social security number you must be a citizen. All credit card issuers request your social security number and if you don't give it they will not give you credit. No. Applying for a credit card you must be a United States citizen. They varify this among other things with your social security number. To have a social security number you must be a citizen. All credit card issuers request your social security number and if you don't give it they will not give you credit.

You would not need a social security card but you do need a social security number. All those who have credit have a legal right to have a free credit report one time annually from all credit bureaus. You can request them at other times if you are denied credit as well.

Yes. Virginia use federal income garnishment laws. The maximum percentage of disposable income that can be garnished for creditor debt is 25%, with 30x minimum wage ($154.50 weekly based) being exempt from garnishment. All Social Security, government pensions, public assistance and most private pension benefits are exempt from creditor garnishment or levy.

Your credit score is linked to your social security number, not your driver's license. You may only have one social security number.

All Social Security pensions and benefits are exempt from creditor judgment by federal law. Military pensions, federal government pensions are also exempted from creditor attachment. Private pensions are regulated by the laws of the state in which the person resides, therefore they may or may not be subject to garnishment.

You cannot get a credit card in the US with US credit card companies unless you have a social security number. Since Canadian residents don't have US social security numbers, they do not have access to US credit companies credit cards.

Copyright ยฉ 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.