How to protect social security from garnishment

Hi Warren welcome to mortgagefit!

Can you please explain what do you mean by 'maintenance'?

My Mom received a letter from a law firm with a "Information Subpoena" stating that if she dont fill out this very long form which has a lot of personal information on it they are going to garnish her social security and take her to court! This was from a Speigal credit card that was not even hers but in her name. Can they garnish her social security? That is all she has to live on. She has a car but its like an 02 that I, her daughter bought from her and she thinks that they can take the car away from her too. Any help would be great.

Opps that should read I her daughter bought "FOR" her

Hi Alison!

Do not fill in the form immediately and submit it. You can take a form to an attorney. Show the form to him/her and take his/her suggestion.

I have direct depost for social security disibility, can it be garnished by creditors such as credit cards that I can no longer pay due to increase of interest rate.? Also can they garnish it through my bank?

Hi carolyn twin,

Creditors are not entitled to garnish the social security disability benefits. Thus the SSD recipients are protected from credit card companies, finance companies, auto lenders, and other lenders. So your creditor won't be able to garnish your disability benefits.

Thanks.

I've had $30,000 forgiven by the IRS. I no longer receive any tax returns or stimulus checks..they apparently are going to what they lost by making that deal with me. My question is....when I retire are they going to be able to take my Social Security or retirement benefits?

Hi tma,

As far as I know, social security and retirement benefits are exempt from any kind of garnishment. So they would not come after your social security or retirement benefits.

Thanks

can the veterans administration garnish social security disability checks

Hi john!

Welcome to forums!

No, your social security disability checks cannot be garnished by the veterans administration.

Sussane

these low lifes will not stop at anything to get the money senior citizens rely entirely on there social security checks and when the slezy banks and debt collectors put a freeze on their money they do not even have funds to get food and they do not have government bail out money to save them like the greedy banks do

i don't quite get the last post. who's putting a freeze on ss checks?

and i don't necessarily agree with their tactics at all times, but i have to say that debt collectors wouldn't exist if everyone paid their bills. please don't think that i don't understand the people have difficulty making payments, either - i've been there myself. and i'm not sure that the banks are sleazy simply because someone didn't pay back a debt and the bank tried to collect its money.

i don't disagree that the banks who received bailout money have not all acted in an appropriate fashion, but it's not really got much to do with debt collection.

social security is not garnish-able. on the other hand, a bank account can be garnished, and if that includes social security funds, then it's as if the benefit itself was garnished.

this overall problem didn't just begin in this decade, either. senior citizens who happen to be on a fixed income have suffered in many ways for many, many years. there still exists a large element in our population who believe that social security ought to be scrapped altogether, in fact.

john 1944, i'm sure you've faced some hardships, and i hope that those are a thing of the past and you can move on and up from here.

I am a case manager and I have a clt who recieved SSI. In May her SSI tax refund check was garnished. In June she did not recieve any of her SSI benefits (her direct deposit had to be changed over bc someone stole her bank card) she contact SSI who said they'd send her a new check on the 20th. It never came. In July she only got $290 of her $640 SSI benefit. At this time she learned by speaking to Social security that it had been garnished due to a 20yr old student loan she had. They promised to send her a one time $100 hardship check on the 20th but it never came. In August she again only got $290. She asked Social security for a copy of her records showing what she was recieveing and what was being deducted and for how long so that she could show the record to one of the rental assistance agencies we were in contact with. Social secuirty told her that bc she recieved SSI she did not have a right to see that information. In Sept she finally was done paying this old debt and recieved her whole check amount although her bank immediately took $300 to pay overdraft charges. She is over $900 behindo n her rent and really struggling. I was unaware that SSI could not be garnished and am wondering if there is any course of action she can take to recover some of her money. Any help or information would be greatly appreciated. Thanks

It is true that the SSI benefits could not be garnished by the creditors. In my opinion, your client should contact an attorney and take his/her opinion in this regard.

What Jeanette is saying is essentially correct in that the only true way to safeguard your money is not to deposit it in a bank or any other financial institution. If your worried about some kind of judgement from an intential tort lawsuit they can't take SSI funds but if you go to a "check cashing joint" and then take the paper currency (money) and bring it to a bank and tell "it's my SSI money" then you have no way of proving that's where the money originally came from. If you recieve the check yourself and put the check directly in the account then you should not have to worry. However if you have someone else as a representative payee due to psychiatric matters like myself then you may have to worry.

I was sued by a hospital after state police road troopers brought me there and lied to social workers, and psychiatrisrs (in wrighting!) forced me into a mental institution for a week and then framed me for a low level non violent felony. Later on, because I called the screening center at the hospital cussing and hollering at them and shouting ethnic obcenities about medditerranean gaelic (Irish) and Indian people they retaliated by sueing in small claims court for not paying a bill of a little over $680 dollars not to mention they purposely sent the court order to the wrong adress and held the entire proceedings without me being there.

Neeedles to say they only got $1.26, if anything they did it to get a reaction out of me. This country is controlled by doctors, lawyers, and cops. They do whatever they want and make s[BOOP] up as they go along, and have an endless supply of tax dollars (your money) to get away with it. As far as I am concerned the only real defense from this is to avoid them at all costs ...
This following post has been a "non public antisocial service message from the loyal order of not so free and definitely unaccepted masons !!!"