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NO! SS, SSI, SSD are protected by Federal Statutes and exempt from creditors. A creditor cannot simply "take money" from your bank account. They would have to sue, win the suit, and collect the judgment If that were the case,you would claim your disability payments as exempt. The process for suing is lengthy and expensive, and unless you have assets that cannot be protected, they won't risk losing more money in a lawsuit. All debtors are allowed a set of exemptions, that are governed by state statutes.

Just a note- as of 2004- your social security disability checks can be levied for past Federal Income tax's not paid.

Also, they can levy your disability check if you owe back child support.

ANSWER

talked to MN family court rep and YES SS can be taken for child support but NOT SSI. And YES up to 15% of your SS can be taken for outstanding school loans. Be aware that we common citizens must follow the regulations regarding suing, but the government is a different animal. The feds can levy and take the money. The state govs can levy and tie up your account for 30 days while they determine what source (ss, ect) the money came from so for all intents and purposes, since you can't get the money while the state is determining the source, your checks will bounce and it is a defacto levy.

Just imagine the telephone calls, return calls, forms collected and presented, time off from work, that in itself it a deterrent to even considering letting a situation develop that leads to a levy. Find out first, don't guess.

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Q: If you receive disability and are unable to pay your debts can your bank account be frozen and money taken?
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