Can a judgment in court be held against you if you receive Social Security disability?

No. Social Security payments are judgment-proof. Only the Treasury Department may garnish your check, and only for limited reasons, such as:
  • Unpaid child support
  • Unpaid alimony
  • Delinquent federal taxes
  • Debit owed to other federal departments

Regular creditors may not garnish your Social Security benefits, but they have been known to freeze and levy recipients' bank accounts after the check has been deposited, or direct deposit made. If this happens, you will need to go to court to stop them.

One good way to protect your benefits is to open a bank account used solely for Social Security benefits, and use a separate account for any other forms of income you may have.

The judgment will remain on your credit report, regardless of your source of income, for seven to ten years.

If you need assistance, contact your nearest Legal Aid Society.